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Full text of "Fifty-Seventh Massachusetts Fire"



State Library 



OF 



MASSACHUSETTS. 

A. 



•Return as Soon as Used. 



J 



Digitized by the Internet Archive 
in 2013 



http://archive.org/details/fiftyseventhmassOOmass 



Public Document 



No. 9 



FIFTY-SEVENTH ANNUAL REPORT 



OF THE 



Insurance Commissioner 



OF 



$L\)t ^ommtftuDcaltf) oi MaBBattyimtlB. 



January 1 , 1912. 



PART I. 

FIRE AND MARINE INSURANCE. 



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»- »3 Op >■-■■ > n v 
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BOSTON: 

WEIGHT & POTTEE PEINTING CO., STATE PEINTEES, 

18 Post Office Square. 

19112. 



3 1912 



Approved by 
The State Board of Publication. 



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\'<b\l ^t 

A 



TABLE OF CONTENTS. 



[For Index to Companies, see end of volume.] 



COMMISSIONER'S REPORT. 



Introductory, ..... 

Companies admitted, .... 

Companies ceasing to transact business, 

Department Examinations, 

Speculation and Promotion Schemes, 

The Appalling Waste by Fire, . 

Department Finances, 

Reports of Receivers of Insurance Companies, .... 

Table 1. — Income, disbursements, premiums, losses, assets, liabilities and sur 

plus to policy holders, Dec. 31, 1911, .... 

Table 2. ■ — Income during 1911, . 
Table 3. — Disbursements during 1911, 
Table 4. — Assets, Dec. 31, 1911, 
Table 5.- — ■ Liabilities, Dec. 31, 1911, . 
Table 6. — Massachusetts business during 1911, 
Table 7. — Showing sources of gain or loss in surplus during 1911, 
Table 8. — Receipts and expenditures of the insurance department, 



PAGE 

v 

v, vi 

vi 

vii, viii 

viii 

xiv 

xv 

xvi 

xviii 

xxvii 

xxxvi 

xliv 

liv 

lxiv 

lxxiii 

civ 



DETAILED STATEMENTS. 

Massachusetts mutual fire companies, ..... 
Massachusetts mutual fire-marine companies, .... 
Massachusetts joint-stock fire and fire-marine companies, 
Fire, marine and fire-marine insurance companies of other States, 
United States branches of foreign companies, .... 



Appendix, 



Statutes enacted in 1912, ....... 

Report of Massachusetts District Police, fire inspection department, 



2 

94 

97 

112 

509 

637 

642 

645 



Stye Cctntnontoealtl) of ilta05art)usette- 



Insurance Department, Boston, May 20, 1912. 
To the General Court of Massachusetts. 

The Insurance Commissioner hereby respectfully submits Part 
I. of his fifty-seventh annual report, as required by section 17, 
chapter 576, Acts of 1907. This volume relates to fire and marine 
insurance companies, and embraces certain records with regard to 
companies, comments by the commissioner, reports of receivers, new 
fire insurance legislation, various comparative tables, including a 
gain and loss exhibit, for each company, abstracts of the annual re- 
ports of the companies, and the report of the bureau which investi- 
gates the causes of fires and reports thereon. 

The following companies of the classes covered by this volume 
were admitted subsequent to the date of the last report or in 1912 
prior to the date of this report : — 



Cokporate Name. 



Location. 



Date of 
Author- 
ity. 


1911 

May 


20 


June 


7 


June 


10 


June 


22 


June 


29 


July 


5 


Sept. 


21 


Oct. 


13 


Oct. 


20 


Oct. 


20 


Oct. 


23 


Oct. 


25 


Oct. 


27 


Oct. 


31 


Nov. 


17 


Dec. 


18 



Capital. 



New Jersey Fire Insurance Company, . . 

|M 

Milwaukee Mechanics' Insurance Company (as a corpora- 
tion merged with the Milwaukee Fire). 

Lumber Insurance Company of New York (as a new cor- 
poration merged with the Adirondack) . 

German American Insurance Company (merged with the 
Rochester German). 

Underwriters at Great Western Lloyds, .... 

German Fire Insurance Company of Wheeling, W. Va., . 

The Insurance Company of the State of Pennsylvania (as 
a new company merged with the Union of Philadelphia, 
and the Spring Garden). 

Alliance Assurance Company, Limited, 

Allianz Insurance Company, Limited, 
The Warsaw Fire Insurance Company, 
South German Re-insurance Stock Company, 
Nord-Deutsche Insurance Company, 
Northern Insurance Company, 
Fire Reassurance Joint Stock Company, 
The Yorkshire Insurance Company, Limited, 
Frankona Reinsurance Company, 



Newark, N. J., . 
Milwaukee, Wis., 
New York, N. Y., 
New York, N. Y., 
New York, N. Y., 
Wheeling, W. Va., 
Philadelphia, Pa., 

London, Eng., . 
Berlin, . . . 
Warsaw, Russia, 
Munich, Bavaria, 
Hamburg, Ger., 
Moscow, 

Paris, France, . 
York, Eng., 
Frankfort, Ger., 



§200,0001 

1,000,000 

400,000 

2,000,000 

200,000 
800,000 

400,000 2 
320,000 2 
200,0002 
200,0002 
200,0002 
200,0002 
200,0002 
200,0002 
200.000 2 



1 Increased to §500,000 January, 1912 



2 Deposit capital. 



VI 



REPORT OF THE 



Corpobate Name. 


Location. 


Date of 

Author- 
ity. 


Capital. 


"Bulgaria" First Bulgarian Insurance Company, 
Minerva Retrocession and Reinsurance Company, . 


Philadelphia, Pa., 
Charlestown, W. Va., 
Bulgaria, . - . 
Cologne, Ger., . 


1912. 

Feb. 16 

Apr. 4 
May 6 
May 13 


$200,000 
325,000 
•200,0002 
200,0002 



2 Deposit capital. 



The following companies of the classes included in this volume 
ceased to transact business in this Commonwealth subsequent to 
April 1, 1911, and in 1912 prior to date of this report: — 



Name op Company. 


Location. 


Date. 


Capital. 


Remarks. 


Eastern Fire, 


Atlantic City, N. 

J. 
Pittsburgh, Pa., . 

Rochester, N. Y., 


1911. 

Mar. 31 


$200,000 


Withdrew. 


German of Pittsburg, . 
Rochester German, 


June 30 
May 17 


300,000 
500,000 


Reinsured in Phoenix, Conn., April 
14. License not renewed July 1. 

Merged with German American, 
N. Y. 

Merged with Milwaukee Mechanics. 


Milwaukee Fire, . 


Milwaukee, Wis.,. 


June 7 


200,000 


Adirondack, 


New York, N. Y., 


June 10 


200,000 


Merged with Lumber, N. Y. 


Insurance Company, 
State of Pennsylvania. 

Union, .... 
Atlanta Home, 


Philadelphia, Pa., 
Philadelphia, Pa., 
Atlanta, Ga., 


June 30 
June 30 
Dec. 31 


200,000 
200,000 
200,000 


Reinsured in North British and 
Mercantile, Eng., April 18. 
Merged August 16 with Union 
of Pa., and Spring Garden. 

Reinsured in Commonwealth April 
18. Merged August 16 with In- 
surance Co., State of Pa., and 
Spring Garden. 

Withdrew. 


Potomac, 


Washington, D. C, 


1912. 

Mar. 1 


200,000 


Withdrew. 


Mercantile Fire and 
Marine. 


Boston, Mass., 


Mar. 12 


200,000 


Reinsured in American Central 
and ceased business. 





The significant thing in the above list is the number of insurance 
companies of other countries that have been admitted to transact 
business here within the past year. Nearly all of them purpose to 
do a reinsurance business only, but in that way they add consider- 
ably to the writing ability of the companies admitted here. Ten 
companies have retired during the year, but several of them have 
returned by means of mergers. Others have reinsured, but no com- 
pany has failed to meet its obligations. 



INSURANCE COMMISSIONER. 



Vll 



Department Examinations. 
The following fire companies were examined by this department 
during the year 1011 : — 



Name of Company. 



Location. 



Date 
of Previous 
Examina- 
tion. 



Abington Mutual, .... 
Boston Insurance Company, 
Citizens Mutual, . . . . 

Fall River Manufacturers, 
Fitchburg Mutual, .... 
Hampshire Mutual, . 
Hingham Mutual, .... 
Holyoke Mutual, .... 

Lowell Mutual, 

Lumber Mutual, . 

Lynn Manufacturers and Merchants, 

Lynn Mutual, ..... 

Mercantile Fire and Marine, 

Merchants and Farmers, . 

Middlesex Mutual Fire, 

Paper Mill Mutual, 

Quincy Mutual, 

Traders and Mechanics, 
United Druggists, . 
Worcester Manufacturers, 
Worcester Mutual, . 



Abington, . 

Boston, 

Boston, 

Fall River, 

Fitchburg, 

Northampton, 

Hingham, 

Salem, 

Lowell, 

Boston, 

Lynn, 

Lynn, 

Boston, 

Worcester, 

Concord, 

Boston, 

Quincy, 

Lowell, 

Boston, 

Worcester, 

Worcester, 



1908 
1908 
1908 
1908 
1910 
1908 
1908 
1908 
1908 
1910 
1908 
1908 
1908 
1908 
1908 
1908 
1908 
1908 

1908 
1908 



Besides the above the following companies of other classes were 
examined during the year : — 



Name op Company. 


Location. 


Date 
of Previous 
Examina- 
tion. 


Berkshire County Savings Bank (Insurance Depart- 
ment). 


Pittsfield 


1910 
1910 

1909 



vm 



REPORT OF THE 



Name of Company. 


Location. 


Date 
of Previous 
Examina- 
tion. 


General Insurance Guaranty Fund, .... 


Boston 


1910 


Independent Workmens Circle, .... 


Boston, 




- 


Masonic Mutual Accident, 


Springfield, 




1910 


Massachusetts Accident, 


Boston, 




1910 


Massachusetts Mutual Life, . . . 


Springfield, 




1908 


Methodist Ministers Relief, 


Boston, 




- 


Peoples Savings Bank (Insurance Department), 


Brockton, 




1910 


Whitman Savings Bank (Insurance Department), . 


Whitman, 




1910 



In addition to these, examinations were made of the records and 
transactions pertaining to the increase in capital stock of two com- 
panies, viz., the Massachusetts Bonding and Insurance Company of 
Boston which had increased its capital to $1,000,000, and the E"ew 
England Casualty Company of Boston, which had increased its 
capital to $600,000. 

An examination was also made of the Boston Securities Company 
of Boston, a financing company, by authority granted the commis- 
sioner by chapter 329, Acts of 1911. 



Speculation and Promotion Schemes. 

Stock insurance companies are established for the purpose of 
making money. In some cases the controlling idea at the outset is 
to establish the company at little or no cost, with the single motive 
and purpose of making it a permanent institution which will win 
the confidence of the public, and thus attain success and become 
fairly profitable, like many insurance companies already in the 
field. In other cases the controlling motive of the promoters is not 
to make money by the slow process of underwriting, with all the 
knowledge and skill which that requires, but by the sale of stock. 
Thus the money is made not by the corporation for the stockholders, 
but by the promoter for the promoter. The insurance corporation 
is simply used for the purpose of attracting funds, while the real 
object of the promoter is to get a large slice of those funds at the 
outset, knowing full well that he is not an underwriter and is not 
adapted to become one. 



INSURANCE COMMISSIONER. IX 

We have recently seen in Massachusetts promotions of insurance 
companies with a genuine purpose to establish institutions which 
will be a source of profit and pride to their stockholders. They were 
organized at a minimum of expense and are being administered with 
zeal and fidelity. Such promotions are to be commended. They 
are legitimate enterprises, and their roots sink down deeper and 
deeper into the inter-related mass of business interests as they grow 
older. 

In contrast with these corporations, conceived for a sound pur- 
pose, we have seen and may to-day see in various parts of the 
country attempts to float corporations the expressed purpose of 
whose charters is to do an insurance business, but the apparent aim 
of whose promoters is to first at least make a handsome profit for 
themselves. As an illustration of the methods let us assume a case: 
a person of a speculative turn of mind in a financial way who has 
had experience in working off shares of stock of " splendid " 
value upon a waiting public, conceives that there is " need " of 
another insurance company. He perceives that the public cannot 
get all the insurance it is " crying for," and, moreover, sees that 
insurance companies are making a " mint of money " which a new 
company might share. He notes also that there are ready-made 
statistics which will prove that the business of insurance will be 
a bonanza to such as will invest. What fairer field could the pro- 
moter ask for, — a legitimate business to talk about, a great demand 
for what the corporation would furnish, statistics to prove that 
other corporations have found the business lucrative. 

How the Promoter Operates. 

He consults with other choice spirits; they conclude to establish 
a corporation to do an insurance business ; they secure names of 
men of more or less prominence who, for the considerations of 
honor or stock or otherwise, consent to become directors or officers. 
They determine, of course, that the corporation shall be a " leader " 
in the field, and to make this " certain " establish its capital at say 
$2,000,000, to be paid in at a premium of 100 per cent., so that the 
corporation may " realize " $4,000,000 with which to compete with 
established companies. 

The next step, and a very important one, is for the promoters, 



X REPORT OF THE 

while still in control of the corporation, to sell this $2,000,000 of 
stock at a premium of $2,000,000. The " hest way " to do it is, 
of course, to make a contract with themselves, just as promoters of 
railroads have been known to make contracts with themselves for 
the construction and equipment of such roads. At what price ? 
Well, that depends upon considerations too deep for successful 
scrutiny. It must require a very delicate balancing of the pros and 
cons, when the genuine promoter is laying his plans to unload stock 
in a new enterprise, in which his chief interest is in the sale of the 
stock, to determine just how much he shall vote to himself for the 
great service of " letting in the public " to share in such a " magnifi- 
cent proposition." In the absence of any general rule for fixing this 
rate let us call it 25 per cent, of the amount received for the sale of 
stock, or a trifle of $1,000,000 for placing the whole $4,000,000, or 
one-fourth of all that is sold if the whole amount cannot be marketed. 

The next move is to prepare the " prospectus." And here is where 
genius of a high order is displayed. The course must be so steered 
that the stock will appear to be a most desirable " buy," but at the 
same time statements which can readily be proved false must be 
shunned. Art in painting with words, art in type, art in color, art 
in paper, — all are called upon to aid in making up a prospectus that 
shall be both alluring and compelling. Usually, to one who knows, 
these announcements are distinguished quite as much for what they 
conceal as for what they display. They are the bright consummate 
flower of " window-dressing." These booklets are sent specifically to 
you, with the flattering statement that you are one of the fifty persons 
in Massachusetts who alone have the privilege " in this Common- 
wealth of purchasing this stock and thus becoming entitled to a share 
in the riches to be thrust upon you. Perhaps you begin to read the 
little booklet. The more you read the more you marvel. Why has 
this mine of wealth not been worked before ? Why are such great 
opportunities for fabulous returns passed around ? Even the an- 
swering of these questions is not always overlooked, for the artist of 
the prospectus knows his business. 

And the unsuspecting man or woman swallows the bait and is 
caught. 

The Part of the Prudent Man. 

!Now, what does the careful man do when such a proposition is 
conveyed to him by the mails of Uncle Sam? If it does not go 



INSURANCE COMMISSIONER. XI 

immediately into the waste basket he muses something like this: 
" I wonder how much of this is going to the promoter, or how 
much I will be paying somebody to sell this stock to me. I wonder 
if the profits are all that are represented. Are the figures presented 
correct? If they are correct for the companies named, how about 
the great mass of companies ? Can a company be established now 
to pay such dividends now? Are the promoters of the company 
insurance men? What has been the fate of companies recently 
established to do a like business ? " 

These and a lot more of questions of a like nature he will ask 
himself, and then perhaps may say, " I'll send for a copy of the 
report of the insurance department, and see whether the general 
condition of the companies and their profits have been such as to 
warrant the belief that the stock of an insurance company promoted 
in such a way is likely to prove as profitable as represented." He 
will get that report and will find by studying the gain and loss ex- 
hibit of the stock fire insurance companies, showing whether or not 
they made a profit from underwriting during 1911, that 90 com- 
panies of the 261 stock companies authorized in Massachusetts lost 
$4,797,543 and 171 gained $6,445,997, — a net gain in under- 
writing for all the stock companies of $1,648,454. This of itself 
would pay a dividend on their combined capital stock of less than 
2 per cent. It would be found further that the source of their 
dividends is chiefly their investments, which investments are at 
the same time serving to protect the insured. The income from 
this source from the same group of companies during 1911 would 
be found to be $22,149,666. These investments, it would be 
learned upon inquiry, embrace not only the capital stock of the 
companies but all other funds, including whatever may have been 
paid in as the premium on the capital stock. And it will then most 
probably be discovered by the investigator, if it has not dawned 
upon him before, that when he pays $200 for a share of stock of 
a par value of $100, and receives a 10 per cent, dividend thereon, 
he is getting only a 5 per cent, return on his investment, a fact that 
the wily promoter is at no pains to make clear. 

It will also be discovered that when the investor pays $200 for 
a share of stock in the new company, and the promoter takes $50 
of the $200 for selling him that share, the value of his holding 
has shrunk from $200 to $150 before the enterprise has even 



Xll REPORT OF THE 

started, and furthermore that, in getting business and putting up 
the reserves required by law, there must be a still further shrinkage 
before profits will appear, and that any dividend paid during the 
building-up process will be. a return to the investor of the good 
money he has paid in, thus still further shrinking the apparent if 
not the real value of his stock. 

The investigator will learn many other things from a study of 
this report which will be of advantage to him both as an investor 
and as an insurer. He will infer therefrom that some of the com- 
panies are making money, and if he searches their past history he 
will find that they have uniformly made money, while many times 
as many have not, the same as he observes that some men make 
money and become millionaires while the great mass, living in the 
same communities, breathing the same air, operating in the same 
kinds of business and having the same opportunities, just gain at 
the best comfortable livelihoods. He will conclude that it is just 
as logical to argue that every man hereafter born into the world is 
going to be a billionaire because Carnegie is as to believe that the 
promoter's scheme is bound to be a profitable venture because the 
Continental has succeeded. 

And it will have thus paid him to send for and study a copy of 
the insurance report. 

Other Things that the Investigator will find. 
If the investigator becomes interested and searches further he 
will find that the fire insurance managers as a whole are not in 
an optimistic frame of mind, and that the stockholders of a large 
proportion of them are not seeking chances to put their money 
into similar enterprises. One San Francisco disaster takes the 
profits of many a good year. He will find companies moving in 
and moving out, companies being born and companies being taken 
in hand by the undertaker. Business plenty, — of some sort, — 
rates high in the opinion of the public, but still indifferent success 
for the most of the companies, and poverty for a vastly larger 
number than enjoy riches. He will ask the reason that the busi- 
ness is no more profitable, especially for the newcomers into the 
field, and find that it is in part due to the difficulty in getting hold 
of the best business at remunerative rates. This business is held 



INSURANCE COMMISSIONER. Xlll 

now by the old companies, — a large share of it by those which are 
successful. It cannot be wrested away except by the offer of com- 
missions to the agents which, even on the preferred class of busi- 
ness, leaves little for profit to the corporation after losses and other 
expenses are paid. An unprofitable good line of risks, and the 
poor risks that no seasoned underwriter will take except to help in 
getting good business, is the portion of the new company that is 
going to make a record as a great premium getter, which is the 
ambition of the neophyte underwriter. Then he begins paying 
dividends without earning them, and finds his treasury void of 
surplus, or nearly so, losses still piling up under his contracts and 
prospects no brighter. The stockholders are asked for more money 
to protect their stpck, or possibly the business is reinsured or the 
company merged or a reform administration steps in to pull the 
corporation out of the slough. 

All this the investigator finds and does not feel that he has 
lost the chance of a lifetime if he has let Opportunity in this guise 
knock unheeded. He may also wonder if it would not be well for 
the people of this Commonwealth if this hydra-headed Opportunity, 
which, through promoters, is knocking so persistently at our doors, 
presenting all sorts of investment schemes dressed in the most re- 
spectable of Sunday clothes, were required to strip himself and his 
schemes before some board or official who should have authority 
to pass upon his soundness and character, and to suppress all 
doubtful and unconscionable schemes, all doubtful literary pro- 
ductions pertaining to schemes not bad in themselves, and to say 
" avaunt " whenever the best interests of the public require it. 

This would be protection to the people none the less needed than 
protection from the worthless policies of irresponsible insurance 
companies. Insurance contracts to-day are no harder to understand 
than the schemes with which the promoter is seeking to entice the 
money of the people from their pockets to his. Already two States 
at least have laws of this character, and the official of one of them 
who has this business under his jurisdiction states that it is his 
belief that the people, of his State have in the past year been 
saved at least two millions by the operation of the law. The move- 
ment for the same end was begun in this Commonwealth none too 
soon, viewed from the insurance standpoint. 



xiv report of the 

The Appalling Waste by Fire. 

Massachusetts is lagging behind some of the other States in its 
work for the prevention of waste by fire. The States of Iowa, 
Ohio, Montana and Nebraska are instructing their school children 
so that they may understand the common causes of fires, what to 
do in case a fire starts, how to prevent fires and the loss which they 
cause in property and life. 

This is a matter of prime importance. For years certain indi- 
viduals have been trying to impress upon the public that the tre- 
mendous loss of life and property by fire in this country is a national 
crime. They have shown that upwards of two hundred millions 
of property is destroyed annually and that 3,000 lives are sacri- 
ficed on the gigantic pyre; but this has failed to cause any gen- 
eral and compelling movement to cut down the loss. Public senti- 
ment has not become educated to the point of demanding it. But 
through the schools and in other ways information will be dissemi- 
nated, and it is hoped that in the near future a different public 
attitude will be visible on this question. Organizations of many 
kinds are speaking out. One of the first principles in the plat- 
form of conservation is to stop the waste by fire. The forces at the 
head of the national government are becoming interested. The in- 
surance associations all over the country are joining in the cam- 
paign. Commercial bodies are recognizing the incubus the business 
of the country is carrying. Fire marshals of the various States 
are, as they should be, active in spreading the propaganda of war 
on the unnecessary fires, which, the best judges say, constitute at 
least two-thirds of those in this country. At their convention last 
August the insurance commissioners considered again the annual 
recurring subject at their meetings, and adopted an expression of 
their sentiments, which among other things contained the following 
statements and recommendations : — 

The appalling annual loss of life and property in the United States by 
fires, due to criminal carelessness, ignorance or dishonesty, commands the 
serious attention of the American people. From present indications over 
$300,000,000 in property values will be utterly wiped out during the current 
year, ■ — a sum so vast that it must have a serious economic effect on the 
prosperity of the country. The causes for this enormous drain on the savings 
of the nation are well known and to a large extent preventable. 

The destruction of property by fire is ten times as great per capita in the 



INSURANCE COMMISSIONER. XV 

United States as it is in Germany, France, England and other countries 
abroad; and in addition to this needless waste of property there are also 
thousands of men, women and children burned to death or crippled in the 
various local fires and conflagrations that constantly occur. The chief factor 
responsible for this situation is general carelessness and the utter lack of 
personal responsibility for the removal of causes productive of fires. 

We recommend a campaign of education through the governors, insurance 
commissioners and fire marshals of the various States, for the purpose of 
bringing directly to the attention of the people the causes responsible for 
the national ash heap, and the adoption of legislation which will safeguard 
the lives and property of the people by holding every individual responsible 
for carelessness resulting in fires. 

All this shows that there is being created a public sentiment that 
will eventually result in legislation that will require a different 
type of construction of buildings, the safer handling of explosives 
and inflammable commodities, the establishment of adequate water 
systems and well-disciplined fire departments, the fixing of re- 
sponsibility for fires, arid punishment for criminal carelessness and 
disregard of the rights of others. This, with an educated public 
sentiment which loses its patience with the careless user of fire, 
whether he be the smoker who lights his cigar and throws the match 
down without a care as to where it goes, or the mechanic who starts 
a fire by careless use of his torch, will make a vast difference in the 
size of our annual ash heaps. Our Commonwealth should be far 
from the rear in this forward movement. 



Department Finances. 
During the fiscal year ending Nov. 30, 1911, the insurance de- 
partment collected fees as required under the law amounting to 
$101,309.25, of which there was received for brokers' licenses, 
$24,000 ; agents' licenses, $51,429 ; valuation of life policies, $15,- 
271.36; filing annual statements, $5,598; miscellaneous sources, 
$5,010.89. The expenditures on account of the department amounted 
to $72,825.13, leaving a net surplus accruing to the Commonwealth 
of $28,484.12. 

Respectfully submitted, 

Insurance Commissioner. 



XVI REPORT OF THE 



REPORTS OF RECEIVERS OF INSURANCE COMPANIES. 



American Insurance Company. — Arthur D. Hill, 53 State 
Street, Boston, receiver; appointed Jan. 17, 1908. Since May 9, 
1911, the date of the receiver's last report, two late claims have been 
allowed by the court which amount to $1,500. An additional divi- 
dend of 20 per cent, has been ordered, and payment was made 
Aug. 15, 1911, making 80 per cent, that has been paid creditors so 
far. The receiver has been allowed the sum of $2,000 on account 
of services. The funds remaining in the hands of the receiver are 
as follows: funds in bank May 1, 1912, $9,031.33; and $4,000 par 
value Wabash Pittsburg Terminal bonds. There are two claims, 
that of the California Glue Works for $750 and that of Magnier 
Brothers for $3,500, in which the receiver has been trusteed, and 
which therefore, cannot be paid until the trustee process is dis- 
posed of, although they have been allowed. The suit brought 
against the Girard Fire and Marine Insurance Company, referred 
to in the last report, has been compromised by leave of the court 
for $750. All policies have expired, and the only thing which 
delays the closing of the receivership is the decree of the court, 
made July 15, 1911, by which the receiver is ordered to retain the 
sum of $1,000 in his hands to satisfy a possible claim of the Boston 
& Maine Railroad Company on a policy outstanding at the time 
of the receivership, and covering property for the loss of which the 
railroad is now being sued. When settlement of this case is made 
there is no reason why the final dividend should not be at once 
paid and the receivership terminated. 

Atlas Mutual Insurance Company. — Franklin T. Hammond, 50 
State Street, Boston, receiver; appointed May 11, 1904. The re- 
ceiver states that he has on hand May 1, 1912, the sum of $15,- 
567.36. Petition for instructions as to the disposition of this sum 
is held up pending the decision of the New York Court of Appeals 
on cases referred to in the last report. 



INSURANCE COMMISSIONER. XV11 

China Mutual Insurance Company. — Arthur D. Hill, 53 State 
Street, Boston, receiver; appointed March 27, 1908. Since May 9, 

1911, the date of the last report, the number of claims outstanding 
has been materially reduced. A number of late claims, amounting 
to $2,374.78, have been allowed by leave of the court. Besides 
these claims certain others have been allowed in part, making a 
total of all claims allowed to date of $180,284.11. The dividend 
of 20 per cent, ordered on 172 claims, mention of which was made 
in the last report, has been paid on substantially all, and amounts 
to $14,921.66. The litigation referred to in the last account as 
pending in Nova Scotia has proceeded steadily. Decision before a 
single judge was appealed to the full bench of Nova Scotia, which 
decided in the receiver's favor. It is now probable that the case will 
be appealed to the Supreme Judicial Court of Canada and pos- 
sibly to the Privy Council. 

There has been no change in the situation of the claims of the 
Fireman's Fund Insurance Company and the Firemen's Fund In- 
surance Corporation. 

The cash receipts from May 1, 1911, to April 30, 1912, were 
$32,883.45, and the disbursements $26,455.55, of which $20,309.03 
was paid in dividends. The assets in the receivers' hands May 1, 

1912, were railroad stock and other securities amounting to $30,- 
109; cash on deposit, $34,967.65; cash in office, $22.37; reinsurance 
due, $3,443.86; premium notes, $14,733.26; premiums due, $3,884.- 
40; total, $87,160.54. 



XV111 



REPORT OF THE 



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1 ) 1 i 1 


I l i i i 


i I I I I 


i i I l l 


i l i i i 


i i i I i 


i i i i i 


$12,575,760 

1,823,434 

695,535 

803,639 

1,240,026 


3,934,296 

2,857,451 

274,880 

772,766 

343,550 


I> CO 1> CO CO 

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tO CO to tO iO 

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498,104 

3,053,535 

17,210,082 

629,831 

424,684 


NOOOO 
CO CO N- O CO 
NO_«N i-H 

n"o"oo"oso" 

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$9,356,092 

2,199,289 

331,458 

849,705 

786,123 


5,411,364 

2,612,770 

47,145 

182,148 

107,097 


CD CO >0 i— t tH 
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1,168,219 
4,406,064 
9,572,297 
574,013 
1,584,337 


tJH CO CON- CO 
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$21,931,852 
4,022,723 
1,026,993 
1,653,344 
2,026,149 


9,345,660 

5,470,221 

322,025 

954,914 

450,647 


CO »o CO CO o 

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2,561,350 
746,654 
821,136 
871,633 

1,465,759 


01^i<00 

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1,666,323 
7,459,599 
26,782,379 
1,203,844 
2,009,021 


2,139,001 
1,150,373 
1,359,593 
660,516 
1,149,469 


$4,595,263 
850,122 
183,872 
404,766 
496,614 


CO "O OS iO 00 
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550,180 

2,261,754 

3,822,671 

204,349 

994,550 


OS OS CO CO i— 1 
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$8,908,667 

1,712,991 

305,887 

811,755 

958,502 


3,570,998 

2,599,618 

81,048 

259,384 

165,739 


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1,087,224 
3,728,364 
7,774,769 
401,724 
1,366,417 


t-i rt< rfi 00 N 

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$8,716,527 

1,655,687 

343,243 

800,798 

1,069,069 


3,633,303 

2,975,369 

66,431 

325,471 

127,850 


i-H OSl>l>OS 

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100,786 
308,828 
285,257 
356,583 
990,071 


1,080,886 
3,930,283 
8,257,845 
430,576 
1,695,098 


OS CO -rH CO OS 
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$9,808,069 

1,889,923 

372,205 

888,282 

1,035,191 


3,959,770 

2,832,412 

92,741 

334,020 

178,714 


i-H^HCOO^ 

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1,165,216 
4,025,515 
9,728,853 
450,946 
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60 

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American, 

American Central, 

American Druggists', 

American Lloyds, 

Assurance Company of America 












Stock Companies of Other 
iEtna, 

Agricultural, 
Albany, . 
Allemannia, 
Alliance, . 


Buffalo Commercial, 
Buffalo German, 
Caledonian- American, 
California, 
Calumet, 


Camden, 

Capital, . 

Central National, 

Citizens, . 

City of New York, . 


Colonial Assurance, . 
Columbia, 
Commerce, 

Commercial Union Fire, 
Commonwealth, 


Concordia, 
Connecticut, 
Continental, 
County, . 
Delaware, . . 


Detroit Fire and Marine, . 

Dixie, . 

Dubuque Fire and Marine, 

Dutchess, 

Empire City, . 



XX11 



REPORT OF THE 



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CIV 



REPORT OF THE 



Table No. 8. — Statement of the Receipts and Expenditures of the Insurance 
Department for the Fiscal Year ending Nov. 30, 1911. 

[Made pursuant to Acts of 1907, chapter 576, section 17.] 

Receipts. 



Compensation for valuation of life 


insurance policies, 




$15,271 36 


License fees, filing 


statements, certificates, etc., . 


■ 


86,037 89 


Total, . 






. 


$101,309 25 


Expenditures. 




Commissioner. 








Frank H. Hardison, 


. . . 


$5,000 00 




Deputy Commissioner. 






Lemuel G. Hodgkins, . 


... 


3,500 00 






Examiner. 








Harry L. Peabody, 


. 


3,000 00 






Actuary. 








Emma W. Cushman, . 


... 


2,312 50 






Assistant Actuary 


. 






George W. Smith, 


Chief Clerk. 


. 


1,500 00 




Arthur E. Linnell, 


Extra Clerks. 




2,312 50 




W. 0. Richardson 


) 


. $2,000 00 






K. M. O'Leary, 




. 1,200 00 






I. L. Baker, 


. 


. 1,087 50 






M. E. Burrill, 




. 1,087 50 






E. L. Johnson, 




. 1,087 50 






F. M. Robbins, 




. 1,087 50 






C. E. Weis, 


. 


. 1,000 00 






E. E. Holden, 




960 00 






M. Sanborn, 




900 00 






D. P. J. Walsh, 




900 00 






B. B. Hadley, 




898 33 






W. Mullan, 




895 00 






L. A. McGowan, 




870 00 






E. P. Bicknell, 




840 00 






H. 0. Boone, 




840 00 






E. R. Cowdrey, 




840 00 






S. E. Gould, ' 




840 00 






M. A. Hosmer, 




840 00 






E. L. Kittredge, 




840 00 






M. L. McMann, 




840 00 






G. L. Moore, 




840 00 






A. F. Noyes, 




840 00 






E. A. Perkins, 




840 00 






L. H. Young, 




840 00 






L. M. Draper, 


led forward, 


839 04 






Amounts can 


$24,052 37 


$17,625 00 








INSURANCE COMMISSIONER. 

Table No. 8. — Statement of Receipts, etc. — Continued. 



cv 



Amounts brought forward, 

G. M. Hall, 

S. A. Collins, 
C. W. Brown, 
M. F. Yeaton, 
F. E. GoweU, 
L. A. Cutler, 
F. M. Corwin, 
S. E. KimbaU, 
M. J. Brandon, 

F. E. Caverly, 
E. Hinckley, 
M. A. McKenzie, 

G. M. MerriU, 

E. F. Emerson, 

F. M. Dominick, 
M. S. Chapin, 
H. I. Gray, 
I. A. Deady, 
E. M. Cate, 
P. J. McGarry, 
E. N. Osgood, 
Extra clerical service, 



Expenses. 
Marvyn Scudder, appraisals, etc., 
Edmunds Brothers, appraisals, 
Moses Williams, Jr., appraisals, 
Other appraisals, 

Postage, express, telephone and tele 
Supplies, .... 
Millionaire calculating machine, 
Printing other than report, . 
Examination sundry expenses, 
Expenses of delegates to convention, etc 
Miscellaneous expenses, 
Expenses incurred under Acts 
of 1907, chapter 576, section 
6, in examination of foreign 
companies: — 
Wilford D. Gray, services, 
P. E. Gleason, services, . 
Harold P. Johnson, serv- 
ices, 



$24,052 37 

816 00 
800 96 
791 00 
770 00 
747 42 
732 26 
725 33 
712 26 
660 00 
629 03 
603 00 
593 55 
551 14 
543 68 
516 07 
514 51 
454 52 
234 67 
225 34 
155 00 
41 67 
2,842 35 



graph 



$1,500 00 

110 00 

50 00 

71 05 

1,074 00 

442 53 

412 85 

3,112 32 

1,594 06 

840 06 

78 70 



$405 
359 



35 
37 



401 95 



Returned to treasury, . 

Balance to he returned to 
treasury, 1 . 



Amount carried forward, . 



$1,166 67 
940 47 



226 20 



$17,625 00 



38,712 13 



9,511 77 



$65,848 90 



.20 returned to treasury Feb. 2, 1912. 



CV1 REPORT OF THE INSURANCE COMMISSIONER. 

Table No. 8. — Statement of Receipts, etc. — Concluded. 



Amount brought forward, 

Printing Report. 
2,500 copies, Part I., 
4,000 copies, Part II., . 
1,500 copies Tables and Abstracts, 
500 copies Text and Tables, 



$3,020 48 

3,274 38 

81 20 

19 91 



Printing Annotated Insurance Laws. 

3,000 copies, $505 26 

Hewitt G. Fletcher, services, . . 75 00 



Fees collected and turned into State Treasurjr, 
Surplus accrued to the Commonwealth, . 



$65,848 90 



6,395 97 



580 26 



$72,825 13 
101,309 25 

$28,484 12 



FIRE AND MARINE INSURANCE COMPANIES. 



Abstracts of Annual Statements for the Year ending 
December 31, 1911. 



ABINGTON MUTUAL FIRE INSURANCE CO. 



MASSACHUSETTS MUTUAL FIRE INSURANCE COMPANIES. 



ABINGTON MUTUAL FIRE INSURANCE COMPANY, ABINGTON. 

Incorporated May 30, 1856. Commenced business June 15, 1857. 
ISAAC C. HOWLAND, President. ALFRED H. NASH, Secretary. 

Income. 

Net premiums, $47,619 29 

Gross interest on mortgages, $914.90; stocks and bonds, $4,779.12; 

bank deposits, $1,039.06, 6,733 08 

Gross increase in book value of bonds, ..... 483 75 

Agents' balances previously charged off, . . . . . 15 66 

Dividends on reinsurance, . . . . . . . 306 78 

Commission on return and reinsurance premiums, . . . 271 73 

Dividend, First National Bank, Salem, in liquidation, . . 140 00 

Dividend, Metropolitan National Bank, in liquidation, . . 42 00 

From all other sources, ...... 125 00 

Total income, ...... 

Ledger assets, Dec. 31, 1910, ..... 

Total, . . . 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Other licenses, fees and taxes, .... 

Gross decrease in book value of stocks and bonds, 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ..... 



$55,737 29 


160,876 85 


$216,614 14 


$13,117 48 


353 92 


17,111 46 


6,781 89 


4,182 75 


465 00 


193 07 


257 87 


123 62 


321 31 


43 04 


856 41 


487 69 


8 96 


185 00 


220 14 


$44,709 61 



$171,904 53 



$12,995 78 

127,920 00 

343 35 



ABINGTON MUTUAL FIRE INSURANCE CO. 



Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . . 


• 


$27,676 42 
2,968 98 


Total ledger assets, .... 


. 


. 


$171,904 53 


Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $217.72; bonds, $1,640.85, .... 




1,858 57 


Gross assets, ...... 


• 


• 


$173,763 10 


Assets not admitted. 






Book value of stocks and bonds over market value, . 


• 


4,505 00 


Admitted assets, ..... 


. 


. 


$169,258 10 


Liabilities. 








Unpaid losses, $24.45; less reinsurance, $7.20, . 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, .... 


• 


• 


$17 25 
71,293 33 
659 94 
105 03 
122 05 


$72,197 60 
97,060 50 


Total liabilities, including surplus, 


• 


• 


$169,258 10 


Risks and Premiums. 






Risks. 

In force Dec. 31, 1910, . . $8,977,877 00 
Written during the year, . 3,154,029 00 


Cash Prem's. 

$141,074 55 
49,952 45 


Conting't Prem's. 

$141,074 55 
49,952 45 


Total, .... $12,131,906 00 
Expired and terminated, . 2,936,431 00 


$191,027 00 
47,164 65 

$143,862 35 
2,160 26 


$191,027 00 
47,164 65 


In force at end of year, . . $9,195,475 00 
Deduct amount reinsured, . 146,208 00 

Net amount in force, . $9,049,267 00 


$143,862 35 


$141,702 09 


- 


Miscellaneous. 








Net premiums received from organization of company, . . $1,230,492 50 
Net losses paid from organization of company, . . . 491,057 09 
Cash dividends paid policy holders from organization of company, 361,524 43 
Losses incurred during the year, ...... 13,048 30 

Dividends to policy holders during 1911, 20, 40 and 60 per cent. 


Schedule A. Stocks and Bonds owned by the 


Company. 


Bank Stocks. Book Value. 
15 shares Abington National, .... $1,500 00 
14 " First National, Salem, . . . 420 00 
14 " Metropolitan National, Boston, . . - 

5 " Old Boston National, Boston, . .500 00 
10 " State National, Boston, . . . 1,000 00 

5 " "Whitman National, .... 500 00 
State and Municipal Bonds. 

Boston, Mass., 3is, 1923, 4,000 00 

Boston, Mass., 3|s, 1919, '1,000 00 

Brockton, Mass., 3|s, 1932, .... 5,000 00 


Rate. 

100 

5 

126 

178 
105 

96 

97 
93 


Market Value. 

$1,500 00 

70 00 

630 00 

1,780 00 

525 00 

3,840 00 

970 00 

4,650 00 



4 



ANNISQUAM MUTUAL FIRE INSURANCE CO. 



Cambridge, Mass., 3|s, 1918, 

Chicago, 111., 4s, 1914, 

Fort Worth, Texas, 4Js, 1949, . 

Massachusetts 3s, 1929, 

Massachusetts 3s, 1930, tax exempt, 

Massachusetts 3s, 1941, 

New Bedford, Mass., 3|s, 1913, 

Salt Lake City, Utah, 4s, 1921, 

South Abington (now Whitman), Mass., 4s, 1913, 

Railroad Bonds. 
Boston & Maine 4s, 1926, 
Boston Elevated 4|s, 1941, 
Chicago, Burlington & Quincy 3|s, 1949, 
Chicago Junction & Union Stock Yards 4s, 1940, 
Chicago & Northwestern 5s, 1921, 
Chicago & Northwestern 4s, 1926, 
Concord & Montreal deb. 4s, 1920, 
Concord & Montreal 3£s, 1920, . 
Fitchburg 4s, 1925, . 
Flint & Pere Marquette 6s, 1920, 
Illinois Central (Louisville D. & T.) 1st 3§s, 1953, 
Illinois Central (Litchfield Div.) 3s, 1951, . 

Maine Central 7s, 1912 

Maine Central 4|s, 1916, .... 

New York Central & Hudson River 4s, 1934, 

New York Central & Hudson River 3|s, 1997, 

New York Central Lines Equipment 5s, 1917, 

New York, New Haven & Hartford 4s, 1914, 

New York, New Haven & Hartford 3§s, 1954, 

Old Colony 3£s, 1932, 

Pennsylvania convertible 3£s, 1915, . 

Princeton & Northwestern 3 |s, 1926, 

Rockland & Abington Street 6s, 1915, 

Taunton Street 5s, 1914, . 

Terminal Association of St. Louis 4§s, 1939 

Trenton Passenger 6s, 1931, 

West End Street 4s, 1915, 

Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 

$2,000 00 
2,000 00 
5,000 00 
3,000 00 
1,000 00 
1,000 00 
2,000 00 
5,000 00 
2,000 00 

8,000 00 
2,000 00 
3,000 00 
3,000 00 
2,000 00 
5,000 00 
3,000 00 
5,000 00 
3,000 00 
1,000 00 
3,000 00 
2,000 00 
1,000 00 
2,000 00 
1,000 00 
2,000 00 
3,000 00 
3,000 00 
3,000 00 
4,000 00 
2,000 00 
3,000 00 
1,000 00 
5,000 00 
2,000 00 
2,000 00 
3,000 00 
4,000 00 

10,000 00 
$127,920 00 



Rate. 
98 

100 
98 
94 
93 
91 
99 
98 

100 

96 

102 

88 

90 

105 

98 

97 

93 

98 

110 

85 

75 

100 

101 

93 

88 

102 

100 

82 

92 

97 

92 

105 

100 

105 

116 

99 

107 

90 



Market Value. 

$1,960 00 

2,000 00 

4,900 00 

2,820 00 

930 00 

910 00 

1,980 00 

4,900 00 

2,000 00 

7,680 00 
2,040 00 
2,640 00 
2,700 00 
2,100 00 
4,900 00 
2,910 00 
4,650 00 
2,940 00 
1,110 00 
2,550 00 
1,500 00 
1,000 00 
2,020 00 
930 00 
1,760 00 
3,060 00 
3,000 00 
2,460 00 
3,680 00 
1,940 00 
2,760 00 
1,050 00 
5,000 00 
2,100 00 
2,320 00 
2,970 00 
4,280 00 

9,000 00 
$123,415 00 



ANNISQUAM MUTUAL FIRE INSURANCE COMPANY, GLOUCESTER. 

Incorporated March 1, 1847. Commenced business Dec. 28, 1847. 

BRADBURY H. HUFF, President. WILLIAM H. JEWETT, Secretary. 

[This company relies upon assessments on deposit notes to pay losses and expenses.] 

Income. 

Net premiums, ...... . - . 

Gross interest on mortgages, $415; bank deposits, $171.90, 



$357 23 
586 90 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, . 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Printing and stationery, 



$944 13 
11,125 89 

$12,070 02 



$30 00 

3 00 

205 96 

354 00 

10 00 

10 67 



ARKWEIGHT MUTUAL FIRE INSURANCE 



I ndexp: 
State taxes on premiums, 
All other disbursements, 

Total disbursements, 

Balance, 



Ledger Assets. 
Mortgage loans on real 

jh in office, . . . . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Safe, ......... 

Total ledger aaa 

Non-Ledgee Assets. 

Interest due and accrued on: — 
Mortgages. $136.76; savings bank deposits, $16.58, . 

Gross assets, 

Assets not admitted. 
Safe, 585 00 

Interest accrued on savings bank deposits, . 16 58 



: 40 

1 61 
13 55 


$634 19 


$11,435 83 

."350 00 
20 35 
25 49 

3,954 99 
o 00 


$11.43; S3 



153 34 



$11,589 17 



101 ;: 



Admitted assets, 
Dividends due policy holders. 



I:^i:i:i:i- 



Risks and Premiums. 



In force Dec. 31, 1910, . 

Written during the year, 

Total, 
Expired and terminated, 

In force at end of vear. . 



Riaka. 

§264,680 00 
56,000 00 

8320.680 00 
64,400 00 

$256,280 00 



$11,487 59 
IS 28 

Conftrng't Vxem 



Miscellaneous . 



L 3es incurred during the year, 



$2,7il :. 
$30 00 



ARKWPJGHT MUTUAL FIRE INSURANCE COMPANY, BOSTON. 

Incorporated Feb. 8, I860. Commenced business Oct. 1, 1860. 
Pw. W. TOPPAN, President. D. W. EAB.TLETT, Secretary. 

Office, 31 Milk Street 

Income. 

Net premiums, . E 1.894,243 33 

Gross interest on bonds, $72,549.65; bank deposits, $4,057.48, . 76,607 13 

From all other sources. . . . . . . . 841 18 



Total income, 
Ledger assets, Dec. 31, 1910, 



$1,971,691 64 
2.010.058 27 



Total. 



. -33,981,749 91 



6 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, . . . . . . 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . . . . 

Furniture and fixtures, ..... 

Inspection department, for inspections, maps, plans 
ment of losses, ...... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross decrease in book value of bonds, 
Traveling expenses, ..... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 



and adjust 



Total ledger assets, 



Non-Ledger Assets. 



Interest accrued on bonds, .... 

Gross assets, . . . . 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, 

Liabilities. 
Unpaid losses, ..... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 



Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. • 

. $269,881,661 00 $ 
. 276,918,587 00 



$66,402 38 

1,653,568 14 

44,807 72 

2,701 68 

5,558 95 

2,481 04 

430 00 

1,040 23 

35,084 52 

20,548 82 

109 00 

9,017 30 

5,425 00 

2,381 64 

1,245 92 

$1,850,802 34 

$2,130,947 57 



$1,907,427 00 

2,909 53 

189,920 44 

30,690 60 

$2,130,947 57 

25,758 33 
$2,156,705 90 

53,377 00 
$2,103,328 90 

$4,605 82 

1,066,296 27 

383 14 

12,208 88 

$1,083,494 11 
1,019,834 79 

$2,103,328 90 



Cash Prem's. Conting't Prem's. 

1,952,553 76 $9,762,768 80 
1,954,085 75 9,770,428 75 



$546,800,248 00 
258,351,950 00 



$3,906,639 51$19,533,197 55 
1,828,170 74 9,140,853 70 



$288,448,298 00 $2,078,468 77$10,392,343 85 



• 



ARKWRIGHT MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, . $29,540,188 65 

Net losses paid from organization of company, . . . 3,184,790 05 

Cash dividends paid policy holders from organization of company, 23,377,750 75 
Losses incurred during the year, ...... 66,281 20 

Dividends to policy holders during 1911, 93.57 per cent. 



by the Company. 

Book Value. Rate. 

$50,000 00 94 

30,000 00 92 

25,000 00 97 

20,000 00 100 

100,000 00 85 

50,000 00 99 

50,000 00 108 

44,575 00 89 



Schedule A. Bonds owned 

State and Municipal Bonds. 
Boston, Mass., 3£s, 1932, . 
Boston, Mass., 3§s, 1945, . 
Cambridge, Mass., 3§s, 1920, 
Lowell, Mass., 4s, 1920, . 
Massachusetts 3s, 1939-40, 
New York, N. Y., 4s, 1955, 
New York, N. Y., 4|s, 1957, 
Providence, R. I., 3s, 1930, 

Railroad Bonds. 

Boston & Albany 3§s, 1952 46,762 00 88 

Boston & Albany 4s, 1913, .... 30,000 00 99 

Boston & Albany 4s, 1933-34, .... 73,975 00 99 

Boston Elevated 4s, 1935, .... 50,000 00 95 

Boston Elevated 4£s, 1937, 1941, . . . 45,000 00 102 

Boston & Lowell 4s, 1913, .... 35,000 00 100 

Boston & Lowell 4s, 1932, .... 54,875 00 98 

Boston & Maine 4s, 1942, .... 49,900 00 95 

Boston & Maine 4Js, 1944 25,000 00 103 

Boston & Providence 4s, 1918 20,000 00 99 

Chicago, Burlington & Quincy 3£s, 1949, . . 48,000 00 88 

Chicago, Burlington & Quincy 4s, 1958, . . 24,937 00 97 

Chicago, Milwaukee & St. Paul 4s, 1934, . . 47,375 00 93 

Chicago & Northwestern 5s, 1933, . . . 25,000 00 109 

Chicago June. & Union Stock Yards 5s, 1915, . 23,719 00 101 

Concord & Montreal 4s, 1920 25,000 00 99 

Delaware & Hudson 4s, 1943, .... 24,750 00 99 

Erie & Pittsburg 3|s, 1940 24,750 00 91 

Fitchburg 4s, 1928, 50,000 00 98 

Lake Shore & Michigan Southern 3Js, 1997, . 49,500 00 89 

Lake Shore & Michigan Southern 4s, 1931, , 23,906 00 93 

New England 4s, 1945 30,000 00 100 

New York Central & Hudson River 3|s, 1997, . 70,766 00 88 

New York Central & Hudson River 3§s, 1998, . 34,575 00 81 

New York Central Lines Equip. 4£s, 1918, . 50,000 00 101 

New York, New Haven & Hartford 3*s f 1947, . 50,000 00 82 

New York, New Haven & Hartford 4s, 1954, . 79,700 00 99 

New York, Philadelphia & Norfolk 4s, 1939, . 50,000 00 99 

Norwich & Worcester 4s, 1927 50,000 00 99 

Old Colony 4s r 1938 40,000 00 99 

Oregon-Wash. R.R. & Navigation Co. 4s, 1961, . 46,625 00 93 

Pennsylvania Co. 4|s, 1921 30,000 00 104 

Pennsylvania Co. 4s, 1931, . . . . 19,400 00 98 

Portland & Ogdensburg 4|s, 1928, . . . 25,000 00 103 

West End Street 4s, 1932, .... 44,375 00 97 

Miscellaneous Bonds. 

American Telephone & Telegraph Co. 4s, 1929, . 70,937 00 90 

NewYork Telephone Co. 4|s, 1939, . . . 24,275 00 101 

Western Electric Co. 5s, 1922, .... 24,750 00 102 

$1,907,427 00 



Market Value. 

$47,000 00 

27,600 00 

24,250 00 

20,000 00 

85,000 00 

49,500 00 

54,000 00 

44,500 00 

44,000 00 
29,700 00 
74,250 00 
47,500 00 
45,900 00 
35,000 00 
53,900 00 
47,500 00 
25,750 00 
19,800 00 
44,000 00 
24,250 00 
46,500 00 
27,250 00 
25,250 00 
24,750 00 
24,750 00 
22,750 00 
49,000 00 
44,500 00 
23,250 00 
30,000 00 
66,000 00 
32,400 00 
50,500 00 
41,000 00 
79,200 00 
49,500 00 
49,500 00 
39,600 00 
46,500 00 
31,200 00 
19,600 00 
25,750 00 
43,650 00 

67,500 00 
25,250 00 
25,500 00 

$1,854,050 00 



s 



ATTLEBOROUGH MUTUAL FIRE INSURANCE CO. 






ATTLEBOROUGH MUTUAL FIRE INSURANCE COMPANY, 

ATTLEBOROUGH. 

Incorporated Feb. 24, 1844. Commenced business July 18, 1845. 
CHARLES H. WHEELER, President. JAMES S. PALMER, Secretary. 

Income. 

Net premiums, ... $31,126 64 

Gross interest on mortgages, $945.92; stocks and bonds, $843.75; 

bank deposits, $443.97, . . . . . ' . . 2,233 64 

From all other sources, 146 00 

Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Rents, . . . 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, . 
State taxes on premiums, 
Gross decrease in book value of bonds, 
All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 

Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... $57,044 08 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $131.75; bonds, $174.98, ...... 306 73 

Gross assets, ......... $57,350 81 

Assets not admitted. 

Agents' balances over three months due, . . . $1,644 53 

Book value of stocks and bonds over market value, . 110 00 1,754 53 

Admitted assets, $55,596 28 





$33,506 28 


• 


54,477 48 


'• 


. $87,983 76 




$18,161 54 




104 10 




4,028 88 




5,385 66 




2,252 00 




192 00 




246 73 




159 27 




64 29 




304 71 




5 00 




35 50 




$30,939 68 




$57,044 08 




. $18,575 00 


. 


18,000 00 


. . 


15,025 66 


• 


5,443 42 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



9 



Liabilities. 

Unpaid losses, including $1,500 resisted, . 
Unearned premiums on outstanding risks, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, .... 
Legal fees, ...... 

Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$6,836,290 00 
2,994,127 00 



Cash Prem's. 

$82,500 40 
37,188 96 



$9,830,417 00 
2,727,349 00 

$7,103,068 00 
690,364 00 

$6,412,704 00 



$119,689 36 
30,466 77 



,222 59 
4,215 84 



$2,100 00 

39,932 07 

79 66 

366 41 

500 00 

$42,978 14 
12,618 14 

$55,596 28 



Conting't Prem's. 

$82,500 40 
37,188 96 

$119,689 36 
30,466 77 

$89,222 59 



$85,006 75 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 40 and 50 per cent. 



$215,058 06 

152,548 64 

4,286 79 

17,026 34 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
10 shares Hereford, ..... 

Railroad Bonds. 
Bridgewater, Whitman & Rockland St. 5s, 1917, 
Metropolitan Street, Kansas City 5s, 1913, 
Milford, Attleboro & Woonsocket St. 5s, 1919, 

Miscellaneous Bonds. 
Arlington Gas Light Co. 5s, 1927, 
Michigan State Telephone Co. 5s, 1924, 
Milford Elec. Lt. & Power Co. 5s, 1929, 
Northampton Electric Light Co. 5s, 1927, 
Plymouth Electric Light Co. 5s, 1925, 
Spencer Gas Co. 5s, 1929, 



Book Value. 
$1,000 00 

1,000 00 
2,000 00 
2,000 00 

1,000 00 
5,000 00 
2,000 00 
1,000 00 
1,000 00 
2,000 00 

$18,000 00 



Rate. 
90 

102 

95 

102 

100 
100 
101 
101 
100 
100 



Market Value. 
$900 00 

1,020 00 
1,900 00 
2,040 00 

1,000 00 
5,000 00 
2,020 00 
1,010 00 
1,000 00 
2,000 00 

$17,890 00 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE COMPANY, 

YARMOUTHPORT. 

Incorporated March 2, 1833. Commenced business Aug. 1, 1833. 
ALPHONSO L. WEEKES, President. JOHN H. CLARK, Secretary. 

Income. 

Net premiums, $44,625 26 

Gross interest on stocks and bonds, $5,940.25; bank deposits, 
$2,486.74; gross rents, for company's own occupancy, $200, . 8,626 99 



10 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



Gross profit on sale of real estate, . 

Dividend, National Bank of Republic, in liquidation, 

From all other sources, ...... 

Total income, ...... 

Ledger assets, Dec. 31, 1910, . 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Repairs and expenses on real estate, 
Taxes on real estate, ..... 
State taxes on premiums, .... 
Premium on stocks and bonds purchased, 
All other disbursements, .... 

Total disbursements, 

Balance, ...... 



Ledger Assets. 

Book value of real estate, ..... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 

Total ledger assets, 

Non-Ledger Assets. 
Interest accrued on bonds, . . . ... 

Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$50 00 

40 00 

90 



5,343 15 
125,686 25 



$179,029 40 


$14,048 89 


72 95 


22,858 75 


7,806 76 


200 00 


295 64 


216 13 


206 08 


164 81 


17 40 


449 00 


480 36 


43 44 



$46,860 21 
$132,169 19 



$1,000 00 
122,200 00 

22 69 
1,459 76 
7,486 74 

$132,169 19 



1,367 07 
16,217 00 

$149,753 26 



$100 00 

71,434 56 

215 68 

25 00 

113 50 

$71,888 74 
77,864 52 

$149,753 26 



BARNSTABLE COUNTY MUTUAL FIRE INSURANCE CO. 



11 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. 

. $7,874,311 00 $136,546 23 
2,488,464 00 44,741 76 



Conting't Prem's. 

$136,546 23 
44,741 76 



$10,362,775 00 
2,373,991 00 



$181,287 99 $181,287 99 
42,647 14 42,647 14 



$7,988,784 00 $138,640 85 $138,640 85 



Miscellaneous. 
Net premiums received from organization of company, . . $1,338,147 94 

Net losses paid from organization of company, . . . 372,432 23 

Cash dividends paid policy holders from organization of company, 823,249 27 
Losses incurred during the year, . . . . . . 13,633 38 

Dividends to policy holders during 1911, 50 and 60 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
12 shares Chicago & Northwestern, 
24 " New York, New Haven & Hartford, 
70 " Old Colony, 
10 " Southern Pacific, 
30 " Union Pacific, common, 
8 " Union Pacific, preferred, 
20 " West End Street, preferred, 
30 " West End Street, common, 

Bank Stocks. 
10 shares Falmouth National, . 
10 " First National, Hyannis, Mass., 

7 " First National, Boston, 

8 " First National, Yarmouth, Mass., 
6 " National Shawmut, Boston, 

15 " State National, Boston, 

Miscellaneous Stocks. 
50 shares Massachusetts Real Estate Co., 

State and Municipal Bonds. 
Massachusetts 3|s, 1935, . 
Salem, Mass., 4|s, 1914, . 
Waltham, Mass., 4^s, 1918, 
Yarmouth, Mass., 4s, 1912-14, . 
Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Boston & Maine 4s, 1942, 
Boston & Maine 4s, 1937, 
Boston Elevated Street 4§s, 1937, 
Chicago, Burlington & Quincy 3-|s, 1949, 
Chicago & Eastern Illinois 6s, 1934, . 
Chicago & Eastern Illinois 4|s, 1912-13, 
Chicago Junction & Union Stock Yards 5si 1915, 
Chicago & Northwestern 4s, 1926, 
Concord & Montreal 4s, 1920, . 

Fitchburg 4s, 1915 

Illinois Central 4s, 1950, . 

Lake Shore & Michigan Southern 4s, 1928, 

Lake Shore & Michigan Southern 4s, 1931, 

Lynn & Boston 5s, 1924, • . 

New York Central (Mich. Cen. col.) 3fs, 1998, 

N. Y., N. H. & H. (H. R. & Pt. C. Div.) 4s, 1954 

N. Y., N. H. & Hartford conv. 3£s, 1956, . 

N. Y., N. H. & Hartford deb. conv. 6s, 1948, 

Oregon Short Line 5s, 1946, 

Portland & Ogdensburg 4Js. 1928, 

Terminal Association of St. Louis 4|s, 1939, 



Book Value. 

$1,200 00 

2,400 00 

7,000 00 

600 00 

3,000 00 

600 00 

2,000 00 

2,500 00 

1,000 00 

1,000 00 

700 00 

800 00 

600 00 

1,500 00 

1,000 00 

1,000 00 
2,000 00 
1,000 00 
5,800 00 

1,000 00 
9,000 00 
3,000 00 
1,000 00 
1,000 00 
1,000 00 
3,000 00 
2,000 00 
5,000 00 
3,000 00 
4,000 00 
2,000 00 
8,000 00 
1,000 00 
1,000 00 
1,000 00 
10,000 00 
1,500 00 
1,000 00 
1,000 00 
3,000 00 
3,000 00 



Rate. 
145 
137 
187 
113 
174 
93 
207 
174 

100 
140 
445 
135 

415 

178 

30 

94 
101 
104 
100 

99 

95 

95 

102 

88 

124 

100 

101 

98 

99 

99 

95 

94 

93 

105 

79 

99 

92 

132 

111 

103 

105 



Market Value. 

$1,740 00 

3,288 00 

13,090 00 

1,130 00 

5,220 00 

744 00 

2,070 00 

2,610 00 



1,000 
1,400 
3,115 
1,080 
2,490 
2,670 



00 
00 
00 
00 
00 
00 



1,500 00 

940 00 
2,020 00 
1,040 00 
5,800 00 

990 00 
8,550 00 
2,850 00 
1,020 00 

880 00 
1,240 00 
3,000 00 
2,020 00 
4,900 00 
2,970 00 
3,960 00 
1,900 00 
7,520 00 

930 00 
1,050 

790 
9,900 
1,380 
1,320 
1,110 
3,090 00 
3,150 00 



00 
00 
00 
00 
00 
00 



12 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



United Tr. & El. Co., Prov., R. I., 5s, 1933, 

West End Street 4s, 1917, 

Worcester Consolidated Street 4§s, 1930, 

Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
Western Telephone & Telegraph Co. 5s, 1932, 



Book Value. 


Rate. 


Market Value. 


$1,000 00 
3,000 00 
6,000 00 
3,000 00 


105 

99 

102 

107 


$1,050 00 
2,970 00 
6,120 00 
3,210 00 


4,000 00 
4,000 00 


90 
100 


3,600 00 
4,000 00 


$122,200 00 


$138,417 00 



BERKSHIRE MUTUAL FIRE INSURANCE COMPANY, PITTSFIELD. 

Incorporated March, 1835. Commenced business August, 1835. 
HENRY R. PEIRSON, President. J. M. STEVENSON, Secretary. 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $640; stocks and bonds, $8,618.14, 
Gross profit on sale of stocks and bonds, ..... 

Total income, . . . . .... 

Ledger assets, Dec. 31, 1910, ....... 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage^ 

Agency expenses, ...... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Gross loss on sale of bonds, 

Agents' balances charged off, 

Traveling expenses, 

All other disbursements, . 

Total disbursements, 

Balance, 

Ledger Assets. 
Mortgage loans on real estate, ..... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances, ....... 

Total ledger assets, . . . . . 



$82,178 76 


9,258 14 


7,844 80 


$99,281 70 


187,683 17 


$286,964 87 


$29,445 58 


630 57 


19,372 95 


12,286 82 


165 08 


6,378 92 


1,100 00 


1,092 74 


552 22 


75 00 


130 85 


93 90 


264 62 


160 96 


820 86 


858 79 


352 00 


211 25 


72 53 


621 21 


535 27 


$75,222 12 


$211,742 75 


$12,800 00 


. 182,362 72 


1,401 02 


5,303 34 


9,875 67 


$211,742 75 



BERKSHIRE MUTUAL FIRE INSURANCE CO. 



13 



Non-Ledger Assets. 

Interest accrued on bonds, ...... 

Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Liabilities. 
Unpaid losses, including $75 resisted, $2,230.09; less reinsurance 

$62.37, 

Unearned premiums on outstanding risks, 
Dividends due policy holders, . 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, .... 

Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 



$1,141 60 
9,889 28 


$222,773 63 


$2,167 72 

105,763 00 

651 95 


473 72 


887 59 


1,661 41 



$111,605 39 
111,168 24 

$222,773 63 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$16,208,229 00 
7,002,503 00 



Cash Prem's. Conting't Prem's. 

$219,161 65 $219,161 65 
95,238 73 95,238 73 



$23,210,732 00 
5,564,861 00 

$17,645,871 00 
1,919,742 00 



$314,400 38 $314,400 38 
79,995 15 79,995 15 



$234,405 23 $234,405 23 
24,533 52 



$15,726,129 00 $209,871 71 



Miscellaneous. 

Net premiums received from organization of company, . . $1,389,969 30 
Net losses paid from organization of company, .... 542,923 04 

Cash dividends paid policy holders from organization of company, 471,556 38 
Losses incurred during the year, ...... 31,045 08 

Dividends to policy holders during 1911, 20, 25, 30, 35 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 

10 shares Baltimore & Ohio, preferred, 

50 " Chicago & Northwestern, . 

50 " Chicago, St. Paul, Minn. & Omaha, 

80 " N. Y. Central & Hudson River, 
110 " Pennsylvania, .... 

Bank Stocks. 
10 shares Agricultural National, Pittsfield, 
10 " First National, Adams, 

4 " Lee National, 
10 " Lenox National, 
10 " North Adams National, 
58 " Pittsfield National, 
12 " Third National, Pittsfield, 
Miscellaneous Stocks. 
100 shares Adams Express Company, 
120 " American Telephone & Telegraph Co. 



Book Value. 


Rate. 


Market Value. 


$913 


78 


90 


$900 00 


7,782 


50 


145 


7,250 00 


6,829 


37 


139 


6,950 00 


11,751 


11 


109 


8,720 00 


6,828 


75 


123 


6,765 00 


2,000 


00 


310 


3,100 00 


1,337 


50 


110 


1,100 00 


704 


00 


168 


672 00 


1,020 


00 


180 


1,800 00 


1,250 


00 


125 


1,250 00 


10,145 


50 


175 


10,150 00 


1,500 


00 


240 


2,880 00 


11,061 


25 


201 


20,100 00 


14,129 


75 


140 


16,800 00 



14 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE CO. 



Municipal Bonds. 
Geneva, N. Y., 4§s, 1924, 
Lackawanna, N. Y., road 5s, 1935-36, 
Lynn, Mass., 4s, 1916, ' . 
New Bedford, Mass., 3§s, 1920, . 
Pittsfield, Mass., 3£s, 1924, 
Salem, Mass., 3 is, 1925-26, 
Salem, Mass., 4s, 1925, 
Taunton, Mass., 4s, 1927, 

Railroad Bonds. 
Baltimore & Ohio prior lien 3|s, 1925, 
Boston & Maine 4|s, 1944, 
Chicago, Burl. & Quincy (111. Div.) 3fs, 1949, 
Chicago, Rock Is. & Pac. 1st ref. 4s, 1934, . 
Greenfield & Turners Falls Street 5s, 1916, . 
Northern Maine Seaport 1st 5s, 1935, 
St. Paul & Sioux City 1st 6s, 1919, . 
United Tr. & Elec. Co., Providence, 5s, 1933, 
Vermont Valley 4|s, 1940, 
Worcester Consolidated Street deb. 5s, 1927, 

Miscellaneous Bonds. 
Adams Express Company 4s, 1947, 
American Telephone & Telegraph Co. 4s, 1929, 
Bing. Lt., Heat & Power Co. 1st ref. 5s, 1942, 
Western Union Telegraph Co. 4£s, 1950, 



Book Value. 


Rate. 


Market Value. 


$10,438 00 


104 


$10,400 00 


11,331 


00 


112 


11,200 00 


5,020 


50 


102 


5,100 00 


1,935 


00 


97 


1,940 00 


957 


50 


95 


950 00 


1,898 


75 


95 


1,900 00 


1,516 


88 


101 


1,515 00 


5,068 


75 


101 


5,050 00 


4,735 


00 


92 


4,600 00 


3,180 


00 


103 


3,090 00 


4,486 


25 


88 


4,400 00 


4,312 


50 


89 


4,450 00 


4,085 


00 


100 


4,000 00 


5,387 


50 


105 


5,250 00 


1,270 


00 


111 


1,110 00 


4,570 


00 


105 


4,200 00 


. ' 5,275 


00 


104 


5,200 00 


5,325 


00 


107 


5,350 00 


7,000 


00 


83 


8,300 00 


10,090 


33 


90 


9,000 00 


1,970 


00 


98 


1,960 00 


5,256 


25 


97 


4,850 00 


$182,362 72 


$192,252 00 



BOSTON MANUFACTURERS' MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated March 15, 1850. Commenced business Oct. 15, 1850. 
JOSEPH P. GRAY, President. H. DWIGHT HALL, Secretary. 

Office, 31 Milk Street. 

Income. 
Net premiums, ........ 

Gross interest on bonds, $98,339.42; bank deposits, $2,299.57, . 
Gross profit on sale or maturity of bonds, . 



,392,894 90 

100,638 99 

64 29 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Printing and stationery, .... 

Postage, telegraph, telephone and express, 
Furniture and fixtures, .... 

Maps, including corrections, . 

Fire department, patrol and salvage corps fees and taxes, 
Inspection department, for inspections, plans and adjustment of 
losses, ..... 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of bonds, 

Gross decrease in book value of bonds, 



$2,493,598 18 
2,437,604 88 

$4,931,203 06 



$80,068 78 

2,092,897 17 

45,262 10 

3,414 00 

7,784 86 
3,248 38 

591 66 
6,226 84 

269 99 

37,040 48 

25,857 51 

134 00 

11,339 71 

200 00 

464 74 



BOSTON MANUFACTUKERS' MUTUAL FIRE INSURANCE CO. 15 

Traveling expenses, ........ $3,062 86 

All other disbursements, 2,555 46 

Total disbursements, $2,320,418 54 

Balance, .. \- $2,610,784 52 

Ledger Assets. 

Book value of bonds (schedule A), $2,513,378 10 

Cash in office, . . . . 6,933 63 

Deposits in trust companies and banks on interest, . . . 62,075 65 
Premiums in course of collection, ...... 28,397 14 

Total ledger assets, $2,610,784 52 

Non-Ledger Assets. 
Interest accrued on bonds, . . . . . . . 39,337 49 

Gross assets, . $2,650,122 01 

Assets not admitted. 
Book value of bonds over market value, . . . . « . 10,898 10 

Admitted assets, $2,639,223 91 

Liabilities. 

Unpaid losses, . . . . . . ' . . . $3,495 43 

Unearned premiums on outstanding risks, .... 1,354,265 18 

Salaries, expenses and accounts, due or accrued, . . . 856 81 

Federal, state and other taxes, due or accrued, . . . . 15,612 44 

Total, $1,374,229 86 

Surplus to policy holders, 1,264,994 05 

Total liabilities, including surplus, ..... $2,639,223 91 

Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

In force Dec. 31, 1910, . . $332,825,471 00 $2,441,050 80 $12,205,254 00 
Written during the year, . 345,518,969 00 2,462,247 43 12,311,237 15 



Total, .... $678,344,440 00 $4,903,298 23 $24,516,491 15 
Expired and terminated, . 320,652,443 00 2,295,909 04 11,479,545 20 

In force at end of year, . . $357,691,997 00 $2,607,389 19 $13,036,945 95 

Miscellaneous. 
Net premiums received from organization of company, . $40,505,577 14 

Net losses paid from organization of company, .... 5,074,316 57 

Cash dividends paid policy holders from organization of company, 31,440,150 05 
Losses incurred during the year, ...... 78,734 85 

Dividends to policy holders during 1911, 94 per cent. 

Schedule A. Bonds owned by the Company. 

State Bonds. Book Value. Rate. Market Value. 

Massachusetts 3is, 1935-38, .... $197,970 09 94 $188,000 00 

Massachusetts 3s, 1927 32,074 00 90 31,500 00 

Massachusetts 3s, 1939-41 57,413 50 85 55,250 00 



16 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



Railroad Bonds 
Boston & Albany 4s, 1913, 
Boston & Albany 3§s, 1952* 
Boston Elevated 4fs, 1937, 
Boston & Lowell 4s, 1916, 
Boston & Maine 4fs, 1944, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Burlington & Missouri River, Nebraska 6s, 1918, 
Chicago, Burl. & Quincy gen. 4s, 1958, 
Chicago, Milwaukee & St. P. deb. 4s, 1934, 
Chicago, Milwaukee & St. Paul Gen. 4s, 1989, 
Chicago, Rock Island & Pacific 4s, 1988, 
Chicago & Western Indiana 4s, 1952, 
Chicago & Northwestern 4s, 1987, 
Concord & Montreal cons. 4s, 1920, 
Delaware & Hudson ref. 4s, 1943, 
Delaware & Hudson conv. 4s, 1916, 
Dutchess County 4£s, 1940, 
Fitchburg 3fs, 1921, 
Illinois Central col. trust 4s, 1952, 
Illinois Central refunding 4s, 1955, 
Long Island refunding 4s, 1949, 
Michigan Central (Grand River Val.) 4s, 1959, 
Michigan Central (Joliet & No. Ind.) 4s, 1957, 
New York Central & Hudson River deb. 4s, 1934, 
New York Cen. & H. R. (Lake Sh. coll.) 3|s, 1998, 
New York, New Haven & Hartford 3|s, 1947, 
New York, New Haven & Hartford 4s, 1914, 
New York, New Haven & Hart. conv. 6s, 1948, 
New York, New Haven & Hart, notes, 5s, 1912, 
New York, Philadelphia & Norfolk 4s, 1939, 
New York, Westchester & Boston 4f s, 1946, 
Nor. Pac. Gt. Nor. (C. B. & Q. col.) 4s, 1921, 
Old Colony 4s, 1924, .... 

Old Colony 4s, 1938 

Pennsylvania Co. 4£s, 1921, 
Pennsylvania Co. trust certificates, 3§s, 1916, 
Pennsylvania convertible 3Js, 1915, . 
Pennsylvania consolidated 4s, 1948, . 
Rome, Watertown & Ogdensburgh 5s, 1922, 
St. Paul, Minn. & Manitoba 4s, 1933, 
Terminal Association of St. Louis 4s, 1953, 
United New Jersey R. R. & Canal 4s, 1944, 
West End Street 4§s, 1914, 

West Shore 4s, 2361 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 
$50,000 00 
43,500 00 
50,000 00 
49,877 50 
50,000 00 
48,000 00 
35,000 00 
61,893 21 
47,750 00 
23,750 00 
25,000 00 
20,000 00 
48,500 00 
39,500 00 
25,000 00 
49,937 50 
29,362 50 
42,000 00 
61,350 00 
30,000 00 
50,000 00 
49,500 00 
24,375 00 
49,375 00 
78,500 00 

104,100 00 
20,000 00 
68,550 00 
50,000 00 
85,000 00 
35,000 00 
48,668 75 
47,593 75 
50,000 00 
50,000 00 
29,781 25 
29,357 30 
48,125 00 
29,800 00 
50,000 00 
73,406 25 
49,000 00 
50,000 00 
55,000 00 
46,000 00 

124,367 50 
2,513,378 10 



Rate. 

99 

88 

102 

99 

103 

96 

99 

103 

97 

93 

99 

96 

92 

98 

99 

99 

98 

105 

93 

99 

96 

96 

97 

97 

93 

81 

82 

100 

132 

100 

99 

98 

97 

99 

99 

104 

98 

97 

104 

107 

99 

95 

102 

100 

101 

90 



Market Value. 
$49,500 00 
44,000 00 
51,000 00 
49,500 00 
51,500 00 
48,000 00 
34,650 00 
62,830 00 
48,500 00 
23,250 00 
24,750 00 
19,200 00 
46,000 00 
39,200 00 
24,750 00 
49,500 00 
29,400 00 
44,100 00 
60.450 00 
29,700 00 
48,000 00 
48,000 00 
24,250 00 
48,500 00 
74,400 00 
97,200 00 
16,400 00 
70,000 00 
66,000 00 
85,000 00 
34,650 00 
49,000 00 
48,500 00 
49,500 00 
49,500 00 
31,200 00 
29,400 00 
48,500 00 
31,200 00 
53,500 00 
74,250 00 
47,500 00 
51,000 00 
55,000 00 
50,500 00 

117,000 00 
$2,502,480 00 



CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY, CAMBRIDGE. 

Incorporated March 13, 1833. Commenced business Jan. 1, 1834. 
GILBERT A. A. PEVEY, President. WILLIAM E. BURRAGE, Secretary. 

Income, 



Net premiums, . . ...... 

Gross interest on bonds, $83.67; bank deposits, $80; jross rents, 

including $900 for company's own occupancy, $8,074.08, 
Commissions on reinsurance, . . 
Dividends and return premiums on reinsurance, 

Total income, ........ 

Ledger assets, Dec. 31, 1910, ....... 



$23,474 91 

8,237 75 
245 60 
125 68 

$32,083 94 
44,683 08 



Total, 



$76,767 02 



CAMBRIDGE MUTUAL FIRE INSURANCE CO. 



17 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . . ... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 
Taxes on real estate, . . . . 

State taxes on premiums, ..... 

Gross decrease in book value of real estate, 

Interest on mortgage loans, ..... 

Reinsurance, ....... 

All other disbursements, ...... 

Total disbursements, . . . 



Balance, 



Ledger Assets. 



Book value of real estate, less mortgages thereon, 

Book value of bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 





$8,287 34 




104 97 




773 40 




3,790 13 




4,760 04 




900 00 




384 29 




295 09 




58 21 




187 91 




149 44 




117 56 




2,314 80 




1,799 46 




252 59 




252 52 




2,441 31 




863 56 




452 36 


. $28,184 98 


. $48,582 04 


$36,000 00 




4,980 00 




1,915 06 




102 80 




2,046 65 




3,537 53 



Total ledger assets, 



Non-Ledger Assets. 



Interest accrued on bonds, .... 

Rents due and accrued on company's property, 

Due from New England Telephone and Telegraph Co., 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . 
Book value of bonds over market value, . 
Deposit in National City Bank, Cambridge, 



Admitted assets, ..... 

. Liabilities. - 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Interest due or accrued, ..... 

Dividends due policy holders, . . 

Salaries, expenses and accounts, due or accrued, 



,582 04 



0., 


33 32 
335 00 
102 00 


• 


$49,052 36 


. $1,620 80 

30 00 

102 80 


1,753 60 


• 


$47,298 76 




$178 50 

24,488 37 

218 75 

85 29 

261 52 



18 



CITIZENS MUTUAL INSURANCE CO. 



Federal, state and other taxes, due or accrued, 

Due for return premiums, $504.61; reinsurance, $131, 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$7,273,117 00 
2,189,006 00 



Cash Prem's. 

$88,125 47 
30,118 31 



$9,462,123 00 

3,609,361 00 

$5,852,762 00 

2,501,690 00 



$118,243 78 
47,836 43 

$70,407 35 
28,333 59 



$3,351,072 00 $42,073 76 



$112 13 
635 61 



$25,980 17 
21,318 59 

$47,298 76 



Conting't Prem's. 

$88,125 47 
30,118 31 

$118,243 78 
47,836 43 

$70,407 35 



Miscellaneous. 
Net premiums received from organization of company, . . ! 
Net losses paid from organization of company, .... 

Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 10 per cent. 

Schedule A. Bonds owned by the Company. 

Railroad Bonds. Book Value. Rate. 

Boston & Albany 4s, 1934, .... $990 00 99 

Boston & Lowell 4s, 1918, .... 1,99000 99 

Old Colony 4s, 1925 2,000 00 99 



$4,980 00 



5,233,390 79 

919,951 41 

868,714 62 

8,160 84 



Market Value. 
$990 00 
1,980 00 
1,980 00 

$4,950 00 



CITIZENS' MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated March 7, 1846. Commenced business Oct. 6, 1846. 
GEO. W. HINKLEY, President. CHARLES F. BOWERS, Secretary. 

Office, 141 Milk Street. 

Income. 

Net premiums, $18,297 82 

Gross interest on mortgages, $1,470.36; collaterals, $21.08; stocks 

and bonds, $1,614.23; bank deposits, $83.31; all other, $1; 

gross rents, $1,502.50, 4,692 48 

Gross increase in book value of bonds, ..... 93 75 

Commissions on reinsurance, . . . . . . - . 13,617 42 

Dividends on reinsurance, ....... 753 32 

Agents' balances previously charged off, ..... 39 96 

From all other sources, ........ 88 

Total income, $37,495 63 

Ledger assets, Dec. 31, 1910, 96,461 12 



Total, 



$133,956 75 



CITIZENS MUTUAL INSURANCE CO. 



19 



Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage,* ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

All other disbursements, ..... 

Total disbursements, 



Balance, 



Ledger Assets-. 



Book value of real estate, ...... 

Mortgage loans on real estate, ..... 

Loans secured by collateral (endowment policy, iEtna Life), 

Book value of stocks and bonds (schedule A), . 

Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . • . 

Due from other companies, . . ' . . . . 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $413.81; bonds, $606.25; collateral loans, $144.06, 
Rents due and accrued on company's property, 
Due from other companies, ...... 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of real estate over market value, 
Book value of stocks and bonds over market value, . 



$76 72 
372 45 
843 75 



Admitted assets, 



$6,409 20 

263 16 

10,078 88 

10,961 75 

6,108 26 

1,279 96 

503 71 

532 01 

153 00 

109 51 

76 50 

194 56 

41 49 

270 71 

572 64 

467 16 

389 87 

149 55 

148 75 

345 20 



$39,055 87 


. $94,900 88 


. $14,172 45 
28,475 00 


1,481 21 


38,998 75 
1,077 25 


2,620 05 


. ' 7,864 60 
211 57 


. $94,900 88 


1,164 12 


232 82 


95 84 



$96,393 66 



1,292 92 
$95,100 74 



• *j*^ s ^ em has no * been reduced by commissions received for reinsurance, as the amount so re- 
ceived exceeded the amount paid. See Income. 



20 



citizens' MUTUAL INSURANCE CO. 



Liabilities. 



less reinsurance, 



Unpaid losses, including $800 resisted, $1,348.42 

$808.50, 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, 
Due for return premiums, $392.39; reinsurance, $6,807.40, 

i i i 
Total, . m . . 

Surplus to policy holders, . . i . 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$24,828,376 00 
5,958,023 00 



$30,786,399 00 
7,127,749 00 

$23,658,650 00 
17,063,061 00 

$6,595,589 00 



Miscellaneous. 

Net premiums received since 1855, . 

Net losses paid since 1855, . 

Cash dividends paid policy holders since 1855, . 

Losses incurred during the year, . 

Dividends to policy holders during 1911, 10 per cent. 






Cash Prem's. 

$301,927 44 
61,962 35 



$363,889 79 
96,547 82 

$267,341 97 
191,678 24 

$75,663 73 



$539 92 

32,981 95 

902 09 

108 68 

1,697 24 

100 00 

7,199 79 

$43,529 67 

51,571 07 

$95,100 74 



Conting't Prem's. 

$301,927 44 
61,962 35 

$363,889 79 
96,547 82 

$267,341 97 



$2,935,959 51 

1,032,132 09 

1,436,377 13 

6,742 27 



Schedule A. Stocks and Bonds Owned by the Company. 

Miscellaneous Stocks. 
35 shares Massachusetts Elec. Co., pref., 

Railroad Bonds. 
Canadian Nor. 4£s, 1912, .... 
Chicago, Indiana & Southern, 1st 4s, 1956, 
Cin., Hamilton & Dayton, gen. 4|s, 1939, . 
Flint & Pere Marquette 6s, 1920, 
Flint & Pore Mar. (Pt. Huron Div.) 5s, 1939, 
Interboro Rapid Transit 5s, 1952, 
N. Y., N. H. & Hartford, deb. 4s, 1947, 
N. Y., Ontario & Western notes, 5s, 1915, . 

Miscellaneous Bonds. 
International Paper Co., 1st 6s, 1918, 
Southern Bell Tel. & Tel. Co., 1st 5s, 1941, 
Westinghouse Electric & Mfg. Co. 5s, 1931, 
Westinghouse Elec. & Mfg. Co., notes, 6s, 1913, 



Book Value. 


Rate. 


Market Value. 


$2,983 75 


97 


$3,395 00 


2,000 00 


100 


2,000 00 


2,000 00 


92 


1,840 00 


2,000 00 


66 


1,320 00 


1,000 00 


110 


1,100 00 


5,000 00 


101 


5,050 00 


2,000 00 


103 


2,060 00 


6,000 00 


93 


5,580 00 


2,000 00 


102 


2,040 00 


3,000 00 


104 


3,120 00 


3,000 00 


99 


2,970 00 


5,000 00 


93 


4,650 00 


3,015 00 


101 


3,030 00 


$38,998 75 


$38,155 00 



COTTON AND WOOLEN MANUFACTURERS INSURANCE CO. 



21 



COTTON AND WOOLEN MANUFACTURERS' MUTUAL INSURANCE 
COMPANY OF NEW ENGLAND. 

Incorporated Oct. 19, 1875. Commenced business Oct. 20, 1875. 
WILLIAM B. PLUNKETT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street, Boston. 

Income. 

Net premiums, $463,485 36 

Gross interest on bonds, $17,731.91; bank deposits, $1,277.42, . 19,009 33 

Gross profit on sale of bonds, ....... 1,447 00 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, ...... 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes-, . 
Inspection department, for inspections, maps, plans and adjust 
ment of losses, ........ 

State taxes on premiums, . . . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, . . . . 

Gross decrease in book value of bonds, .... 

All other disbursements, ...... 

Total disbursements, ...... 

Balance, ... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Premiums in course of collection, ..... 



Total ledger assets, 



Non-Ledger Assets. 



Interest accrued on bonds, 

Gross assets, . . 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ..... 



$483,941 69 
452,893 60 



. $936,835 29 


. $16,667 87 


408,785 93 


12,961 56 


1,231 20 


1,306 39 


733 07 


75 01 


12 66 


13,429 24 


5,236 92 


186 00 


2,019 28 


50 00 


141 25 


1,538 84 


. $464,375 22 


. $472,460 07 


. $427,653 10 


329 86 


23,220 61 


21,256 50 


. $472,460 07 


6,244 97 


. $478,705 04 


7,033 10 


. $471,671 94 



22 



COTTON AND WOOLEN MANUFACTURERS INSURANCE CO. 



Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$1,163 26 

241,811 01 

393 68 

4,243 57 

$247,611 52 
224,060 42 

$471,671 94 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $56,698,060 00 $489,023 06 $2,445,115 30 

. 57,422,912 00 488,545 87 2,442,729 35 



$114,120,972 00 
58,577,987 00 



$977,568 93 $4,887,844 65 
500,466 73 2,502,333 65 



$55,542,985 00 $477,102 20 $2,385,511 00 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 86 per cent. 

Schedule A. Bonds owned by the Company. 

Rate. 

100 

95 

94 



State and Municipal Bonds. 
Fall River. Mass. 3Js, 1915, 
Massachusetts 3Js, 1933, . 
Massachusetts 3§s, 1940, . 

Railroad Bonds. 
Atchison, Topeka & Santa Fe 4s, 1928, 
Aurora, Elgin & Chicago 5s, 1946, 
Bangor & Aroostook cons. 4s, 1951, 
Boston Elevated 4s, 1935, 
Boston & Lowell 3|s, 1919, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955. 
Central Branch 4s, 1919, .... 
Chicago & Eastern 111. equip, trust 4£s, 1914, 
Chicago, Bock Island & Pacific 4§s, 1915, , 
El Paso & Rock Island 5s, 1951, 

Fitchburg 4s, 1927, 

Florida East Coast 4|s, 1959, 

Lake Shore & Michigan Southern 4s, 1931, 

Maine Central 5s, 1923, .... 

Maine Central 4|s, 1916, . 

Maryland, Delaware & Virginia 5s, 1955, . 

Michigan Central 3§s, 1952, 

Missouri Pacific 5s, 1914, .... 

N. Y. Cen. & Hud. R. (Lake Shore col.) 3|s, 1998 

New York, Chicago & St. Louis 4s, 1931, . 

New York, New Haven & Hartford 4s, 1955, 

New York, New Haven & Hartford 4s, 1914, 

New York, Ontario & Western 5s, 1915, 

Northern Maine Seaport 5s, 1935, 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Richmond- Washington 4s, 1943, 

Rock Is., Arkan. & Louisiana 4|s, 1934, 

Worcester & Holden Street 5s, 1923, . 



Book Value. 

$15,000 00 

18,000 00 

20,675 60 

6,875 00 

4,750 00 

4,250 00 

6,000 00 

10,000 00 

9,643 75 

4,000 00 

4,712 50 

4,937 50 

3,000 00 

5,000 00 

18,000 00 

4,812 50 

14,790 00 

10,000 00 

16,000 00 

15,000 00 

1,960 00 

9,850 00 

12,000 00 

9,262 50 

20,000 00 

2,980 00 

5,000 00 

20,000 00 

25,130 00 

9,000 00 

4,693 75 

3,000 00 



96 

95 

81 

95 

95 

96 

99 

92 

99 

99 

102 

98 

97 

93 

107 

101 

99 

88 

100 

81 

90 

93 

100 

102 

105 

97 

97 

93 

100 



$9,219,952 66 

1,688,866 85 

6,299,449 47 

15,050 22 



Market Value. 

$15,000 00 

17,100 00 

20,680 00 

6,720 00 

4,750 00 

4,050 00 

5,700 00 

9,500 00 

9,600 00 

3,960 00 

4,600 00 

4,950 00 

2,970 00 

5,100 00 

17,640 00 

4,850 00 

15,810 00 

10,700 00 

16,160 00 

14,850 00 

1,760 00 

10,000 00 

12,150 00 

9,000 00 

18,600 00 

3,000 00 

5,100 00 

21,000 00 

25,220 00 

8,730 00 

4,650 00 

3,000 00 



DEDHAM MUTUAL FIRE INSURANCE CO. 



23 



Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
American Writing Paper Co. 5s. 1919, 
Billings & East. Montana Power Co. 6s, 1934, 
Consumers Power Co. 5s, 1936, 
Kansas Gas & Electric Co. 5s, 1922, . 
New England Tel. & Tel. Co. 4s, 1930, 
New England Tel. & Tel. Co. 5s, 1919, 
Western Electric Co. 5s, 1922, . 
Western Telephone & Telegraph Co. 5s, 1912, 
Western Union Telegraph Co. 4Js, 1950, 



Book Value. 


Kate. 


Market Value. 


$19,875 00 


90 


$18,000 00 


5,000 00 


89 


4,450 00 


5,000 00 


97 


4,850 00 


4,850 00 


96 


4,800 00 


9,637 50 


96 


9,600 00 


28,000 00 


91 


25,480 00 


10,000 00 


101 


10,100 00 


1,992 50 


102 


2,040 00 


4,975 00 


100 


5,000 00 


20,000 00 


97 


19,400 00 


$427,653 10 


$420,620 00 



DEDHAM MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

Incorporated Feb. 22, 1837. Commenced business July 1, 1837. 
JAMES Y. NOYES, President. THEODORE T. MARSH, Secretary. 

Income. 

Net premiums, $37,588 01 

Gross interest on mortgages, $1,717.54; stocks and bonds, $6,107; 

bank deposits, $233.05; gross rents, $220.50, . . . 8,278 09 

Gross profit on sale of stocks, . . . ... . 120 00 

Total income, ...... 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . 
Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 
Rents, . . . . . 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, . . . . 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, . . . . . . . 

Deposits in trust companies and banks not on interest, 



• 


$45,986 10 
183,197 67 


$229,183 77 




$15,735 99 
202 49 




18,292 81 




5,654 69 
24 59 




4,334 38 




270 00 




580 83 




210 55 




182 09 




185 30 




207 84 




72 98 




68 63 




39 36 




378 86 




122 35 


$46,563 74 


$182,620 03 




$1,596 86 
29,700 00 




135,794 84 




59 79 




1,521 69 



24 



DEDHAM MUTUAL FIRE INSURANCE CO. 



Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



$11,871 08 
2,075 77 



Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $368.20; bonds, $1,671.17, . 
Rents due on company's property, . 
Market value of stocks and bonds over book value, 


Cash Prem's. 

$133,386 40 
38,610 45 


$182,620 03 

2,039 37 

1 00 

5,654 16 


Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 


$190,314 56 
18 90 


Admitted assets, ..... 

Liabilities. 

Unpaid losses, 

Unearned premiums on outstanding risks, 

Dividends due policy holders, 

Salaries, expenses and accounts, due or accrued, 

Federal, state and other taxes, due or accrued, 

Due for return premiums, . . . 


$190,295 66 

$36 35 
67,113 90 
745 23 
100 00 
96 73 
205 52 


Total, . 
Surplus to policy holders, .... 

Total liabilities, including surplus, 

Risks and Premiums. 

In force Dec. 31, 1910, . . $8,825,642 00 
Written during the year, . 2,474,662 00 


$68,297 73 
121,997 93 

$190,295 66 

Conting't Prem's. 

$133,386 40 
38,610 45 


Total, .... $11,300,304 00 
Expired and terminated, . 2,317,682 00 


$171,996 85 
36,967 69 


$171,996 85 
36,967 69 



In force at end of year, 



$135,029 16 $135,029 16 



. $8,982,622 00 

Miscellaneous. 

Net premiums received from organization of company, . . $987,406 41 

Net losses paid from organization of company, . , . 350,365 16 

Cash dividends paid policy holders from organization of company, 371,640 67 

Losses incurred during the year, ... . . 15,565 59 
Dividends to policy holders during 1911, 25, 50 and 70 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

50 shares Atch., Topeka & Santa Fe, common, . $5,248 75 107 $5,350 00 

78 " Atch., Topeka & Santa Fe, pref., . 1,679 00 104 8,112 00 

50 " Union Pacific, pref 3,000 00 93 4,650 00 

6 shares Dedham National, ' . . . . 600 00 120 720 00 
Miscellaneous Stocks. 

39 shares Dedham Water Co., .... 3,900 00 108 4,212 00 

Municipal Bonds. 

Boston, Mass., 4s, 1921, 2,040 00 100 2,000 00 

Fall River, Mass., 4s, 1938, .... 5,131 25 102 5,100 00 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



25 



Lynn, Mass., 4s, 1919 

New York, N. Y., 4$s, 1957, . 

Salem, Mass., 4s, 1914, .... 

Railroad Bonds. 
Atch., Topeka & Santa Fe gen. 4s, 1995, 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
Boston & Albany 3*s, 1952, 
Boston & Albany 4s, 1935, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1937, 
Boston & Maine 4s, 1926, 
Boston & Maine 4|s, 1944, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, . 
Chic, Burl. & Quincy general 4s, 1958, 
Chic, Milwaukee & St. Paul general 4s, 1989, 

Fitchburg 4s, 1915, 

New York, New Haven & Hartiord 4s, 1947, 
New York, New Haven & Hartford 3Js, 1954, 
New York, New Haven & Hartford 4s, 1955, 
Old Colony 3£s, 1932, .... 

Providence Terminal 1st 4s, 1956, 
Rock Island & Frisco Terminal 1st 5s, 1927, 
St. Johnsbury & Lake Champlain 1st 5s, 1944, 
Union Pacific 4s, 1947, .... 
West End Street 4s, 1916, 



Book Value. 


Rate. 


Market Value. 


$3,356 25 


101 


$3,030 00 


2,060 


00 


108 


2,160 00 


3,240 


00 


100 


3,000 00 


6,240 


00 


99 


7,920 00 


1,720 


00 


91 


3,640 00 


6,197 


50 


88 


5,280 00 


4,850 


00 


99 


4,950 00 


10,225 


00 


98 


10,780 00 


5,560 


00 


95 


4,750 00 


1,022 


72 


96 


960 00 


7,665 


00 


103 


6,180 00 


7,118 


75 


100 


7,000 00 


2,000 


00 


97 


1,940 00 


4,987 


50 


99 


4,950 00 


5,357 


50 


99 


4,950 00 


5,450 


00 


93 


4,650 00 


1,950 


00 


82 


1,640 00 


3,920 


00 


93 


3,720 00 


5,150 


00 


92 


4,600 00 


5,087 


50 


99 


4,950 00 


8,400 


00 


101 


8,080 00 


7,147 


50 


111 


6,660 00 


3,423 


12 


101 


3,535 00 


2,067 


50 


99 


1,980 00 


$135,794 84 


$141,449 00 



DORCHESTER MUTUAL FIRE INSURANCE COMPANY, 

DORCHESTER. 

Incorporated February, 1855. Commenced business July, 1855. 
WILLIAM D. C. CURTIS, President. FREDERICK W. PORTER, Secretary. 

Income. 
Net premiums, ........ 

Gross interest on mortgages, $823.24; stocks and bonds, 

$10,234.17; bank deposits, $251.59; all other, $0.60, gross rents, 

including $800 for company's own occupancy, $1,981.50, 
Gross profit on sale of stocks and bonds, .... 

Sale of rights, . . . . . 

Commission on reinsurance, ...... 

Dividends on reinsurance, 

From all other sources, ....... 



Total income, . 

jLedger assets, Dec. 31, 1910, . 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries, fees, etc., of officers and employees, . . 
Rents for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, . 
Underwriters' boards and tariff associations, 



. $105,483 42 


13,291 10 


4,765 00 


2,369 12 


474 25 


93 32 


36 42 


. $126,512 63 


. 233,795 99 


. $360,308 62 


$57,058 60 


842 95 


47,468 24 


18,365 25 


68 89 


11,249 06 


800 00 


968 13 


846 44 


760 70 


513 77 



26 



DORCHESTER MUTUAL FIRE INSURANCE CO. 



Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Agents' balances charged off, 

All other disbursements, 

Total disbursements, 



Balance, 



Ledger Assets. 



Book value of real estate, 

Mortgage on loans real estate, 

Book value of stocks and bonds (schedule A), . 

Deposits in trust companies and banks on interest, 

Agents' balances, . . ... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on: — 
Mortgages, $402.63; bonds, $50; . 
Rents due and accrued on company's property, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 
Book value of real estate over market value, 
Mortgage loan and accrued interest in excess of 
appraisal, . 



$5,888 13 
603 95 



Admitted assets, ..... 

Liabilities. 
Unpaid losses, including $1,241.17 resisted, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Due for return premiums, $396.81; reinsurance, $437 

Total, ....... 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



76, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$29,796,638 00 
4 8,079,632 00 



Cash Prem's. 

$451,490 68 
113,137 62 



$240 63 
291 44 
294 39 

1,222 81 

282 00 

5 30 

756 16 



$142,034 76 

$218,273 86 

$31,288 13 
17,850 00 

154,397 56 
6,938 24 
7,799 93 

$218,273 86 



452 63 

287 50 

56,487 44 

$275,501 43 



6,492 08 
$269,009 35 



$1,525 05 

181,477 49 

3,353 90 

175 50 

540 00 

834 57 

$187,906 51 
81,102 84 

$269,009 35 



Conting't Prem's. 

$451,490 68 
113,137 62 



$37,876,270 00 
10,082,647 00 

$27,793,623 00 
552,404 00 



$564,628 30 $564,628 30 
165,130 11 165,130 11 



$399,498 19 $399,498 19 
7,356 55 



$27,241,219 00 $392,141 64 



FALL RIVEE MANUFACTURERS MUTUAL INSURANCE CO. 



27 



Miscellaneous. 
Net premiums received from organization of company, . . $5,096,066 10 

Net losses paid from organization of company, . . . 2,462,149 42 

Cash dividends paid policy holders from organization of company, 1,785,464 67 
Losses incurred during the year, ...... 57,933 39 

Dividends to policy holders during 1911, 20, 25, 30, 35 and 40 per cent. 



Railroad Stocks. 
100 shares Boston & Maine, 
75 " Great Northern, preferred, 
100 " N. Y., New Haven & Hartford, 
200 " Pennsylvania, . 

Bank Stocks. 
305 shares International Trust Co., Boston, 

Miscellaneous Stocks. 
300 shares American Tel. & Tel. Co., , * . 

Miscellaneous Bonds. 
United Lead Co. 5s, 1943, 



OWNED BY THE 


Company. 


Book Value. 
$13,606 07 
10,509 38 
15,512 50 
13,787 50 


Rate. 
101 
127 
137 
123 


Market Value. 

$10,100 00 

9,525 00 

13,700 00 

12,300 00 


55,688 06 


400 


122,000 00 


38,997 50 


140 


42,000 00 


6,296 55 


63 


1,260 00 


$154,397 56 


$210,885 00 



FALL RIVER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

FALL RIVER. 

Incorporated Feb. 11, 1870. Commenced business May 1, 1870. 
CHAS. S. WARING, President. JAMES W. BRIGHAM, Secretary, 

Income. 

Net premiums, 



Gross interest on bonds, $31,060.84; bank deposits, $1,170.99, 

Total income, ....... 

Ledger assets, Dec. 31, 1910, ...... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, 
Inspection department, for inspections, maps, plans and adjust- 
ment of losses, ..... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Uncollectible premiums, 

All other disbursements, 

Total disbursements, 

Balance, ..... 



$700,627 97 
32,231 83 



$732,859 80 
798,906 25 


$1,531,766 05 


$20,079 00 

625,876 41 

10,645 76 


912 00 


603 86 


601 36 


148 78 


21 92 


13,186 56 


7,795 64 


115 50 


3,529 50 


20 53 


309 42 


$683,846 24 



$847,919 81 



28 FALL RIVER MANUFACTURERS ' MUTUAL INSURANCE CO. 



Ledger Assets. 

Book value of bonds (schedule A), . . . . . $780,193 00 

Cash in office, 158 39 

Deposits in trust companies and banks on interest, . . . 54,677 39 

Premiums in course of collection, ...... 12,891 03 



Total ledger assets, $847,919 81 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $10,799.15; other assets, $125.99, . . . . 10,925 14 



Gross assets, $858,844 95 

Assets not admitted. 
Book value of bonds over market value, ..... 1,993 00 



Admitted assets, $856,851 95 

Liabilities. 

Unpaid losses, . . . . _ . . . . $1,549 82 

Unearned premiums on outstanding risks, .... 418,695 89 

Salaries, expenses and accounts, due or accrued, ... 22 38 

Federal, state and other taxes, due or accrued, . . . 4,724 45 



Total, $424,992 54 

Surplus to policy holders, 431,859 41 

Total liabilities, including surplus, ..... $856,851 95 

Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

In force Dec. 31, 1910, . . $101,434,994 00 $757,880 09 $3,789,400 45 
Written during the year, . 99,208,127 00 723,422 37 3,617,111 85 

Total, .... $200,643,121 00 $1,481,302 46 $7,406,512 30 
Expired and terminated, . 93,205,612 00 681,654 83 3,408,274 15 

In force at end of year, . . $107,437,509 00 $799,647 63 $3,998,238 15 

Miscellaneous. 
Net premiums received from organization of company, . $11,809,819 56 

Net losses paid from organization of company, . . . 1,490,895 20 

Cash dividends paid policy holders from organization of company, 9,266,889 94 
Losses incurred during the year, ...... 19,589 51 

Dividends to policy holders during 1911, 95 per cent. 

Schedule A. Bonds owned by the Company. 

Municipal Bonds. 
Boston, Mass., 4s, 1913, .... 
Cleveland, Ohio, 4s, 1923, 
Newport, R. I., 4s, 1923, .... 
Taunton, Mass., 4s, 1922, 

Railroad Bonds. 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Baltimore & Ohio 4§s, 1913, 
Boston & Maine 4s, 1942, 
Boston & Providence 4s, 1918, . 
Canada Southern (extended) 6s, 1913, 
Chicago, Burl. & Quincy (Neb. ex.) 4s, 1927, 



Book Value. 


Bate. 


Market Value. 


$40,000 00 


100 


$40,000 00 


25,000 00 


101 


25,250 00 


20,000 00 


100 


20,000 00 


15,000 00 


101 


15,150 00 


19,897 50 


99 


19,800 00 


14,765 63 


100 


15,000 00 


10,000 00 


95 


9,500 00 


20,000 00 


99 


19,800 00 


5,000 00 


102 


5,100 00 


15,000 00 


98 


14,700 00 



FITCHBUKG MUTUAL FIRE INSURANCE CO. 



29 



Chicago, Milwaukee & St. Paul deb. 4s, 1934, 

Concord & Montreal first 4s, 1920, 

Erie (Pennsylvania collateral) 4s, 1951, 

Lake Shore & Michigan Southern 4s, 1928, 

Lake Shore & Michigan Southern 4s, 1931, 

Long Island refunding 4s, 1949, 

Maine Central notes, 4£s, 1912, . 

New York Central & Hudson R. deb. 4s, 1934, 

N. Y. Cent, & Hud. R. (Lake Shore col.) 3|s, 1998, 

N. Y. Cent. & Hud. R. notes, 4£s, 1914, . 

N. Y., N. H. & Hartford deb. 4s, 1956, 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Old Colony 4s, 1938, .... 

Oregon-Wash. R. R. & Navigation Co. 4s, 1961, 

Pennsylvania convertible 3^s, 1915, 

Phila., Wilmington & Baltimore 4s, 1932, . 

Pittsburg, Bessemer & Lake Erie 1st 5s, 1947, 

Union Pac. 1st and land grant 4s, 1947, 

West End Street 4|s, 1914, 

West End Street 4s, 1915, 

West End Street 4s, 1917, . . 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
New York Telephone Co. gen. 4§s, 1939, . 



Book Value. 


Rate. 


Market Value. 


$47,131 25 


93 


$46,500 00 


15,000 00 


99 


14,850 00 


9,528 50 


89 


8,900 00 


29,850 00 


94 


28,200 00 


22,813 95 


93 


23,250 00 


29,525 00 


96 


28,800 00 


13,982 50 


100 


14,000 00 


47,931 50 


93 


46,500 00 


98, 12,243 75 


81 


12,150 00 


9,993 75 


100 


10,000 00 


36,882 50 


93 


37,200 00 


44,058 17 


97 


43,650 00 


30,000 00 


99 


29,700 00 


9,325 00 


93 


9,300 00 


46,105 25 


97 


48,500 00 


19,800 00 


100 


20,000 00 


20,000 00 


112 


22,400 00 


20,000 00 


101 


20,200 00 


35,000 00 


100 


35,000 00 


20,000 00 


99 


19,800 00 


14,906 25 


99 


14,850 00 


46,771 25 


90 


45,000 00 


14,681 25 


101 


15,150 00 


$780,193 00 


$778,200 00 



FITCHBURG MUTUAL FIRE INSURANCE COMPANY, FITCHBURG. 

Incorporated March 23, 1847. Commenced business Sept. 1, 1847. 
LINCOLN R. WELCH, President. CHESTER A. CLEGG, Secretary. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $558.27; collaterals, $718.61; stocks 
and bonds, $6,208.62; bank deposits, $159.99; all other, $39.86; 
gross rents, including $1,200 for company's own occupancy, 
$5,473.50, 

Gross profit on sale of stocks, ...... 

Return of assessment on old investment, ..... 

Borrowed money, ......... 



$151,111 09 



13,158 85 

1,936 50 

681 00 

10,000 00 



Total income, 
Ledger assets, Dec. 31, 1910, less 
dend account, . 

Total, . 



L,623.32 adjustment in divi- 



DlSBURSEMENTS. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Agency expenses, .... 
Salaries and expenses of special agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express 
Legal expenses, .... 
Furniture and fixtures, . 
Maps, including corrections, . 
Underwriters' boards and tariff associations, 



$176,887 44 

234,032 21 

$410,919 65 



$67,098 06 

1,130 76 

39,578 97 

18,153 59 

190 54 

1,491 63 

10,146 00 

1,200 00 

1,721 72 

1,157 54 

263 00 

255 77 

870 35 

600 37 



30 



FITCHBURG MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1910, . 
Written during the year, 

Total, 
Expired and terminated, 

In force at end of year, 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$25,256,435 00 
11,566,330 00 



$36,822,765 00 
11,603,118 00 

$25,219,647 00 
1,022,797 00 



Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Borrowed money repaid, 

Interest on borrowed money, . 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 



Balance, .... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $447.66; bonds, $1,073.42, . 
Rents due on company's property, . 
Market value of stocks and bonds over book value, 

Gross assets, . . 

Liabilities. 

Unpaid losses, including $1,500 resisted, . 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Borrowed money, ...... 

Total, . . . . . . - . 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



$97 71 


4,557 68 


2,464 53 


847 51 


2,300 23 


939 56 


41 75 


10,000 00 


261 80 


12 61 


746 49 


. $166,128 17 


. $244,791 48 


. $60,000 00 


11,830 00 


149,092 09 


151 05 


11,443 28 


12,275 06 


. $244,791 48 


1,521 08 


355 50 


7,182 91 


. $253,850 97 


$1,554 06 


164,579 98 


1,989 30 


300 00 


1,344 27 


5,000 00 


. $174,767 61 


79,083 36 


. $253,850 97 



Cash Prem's. Conting't Prem's. 

$338,099 05 $338,099 05 
165,375 37 165,375 37 



$503,474 42 $503,474 42 
162,837 47 162,837 47 



$340,636 95 $340,636 95 
12,256 86 



$24,196,850 00 $328,380 09 



GRAIN DEALERS MUTUAL FIRE INSURANCE CO. 



31 



MISCELLANEOUS. 

Net premiums received from organization of company, . . $5,101,643 41 

Net losses paid from organization of company, . . . 2,414,095 38 

Cash dividends paid policy holders from organization of company, 1,480,027 13 
Losses incurred during the year, ...... 62,427 14 

Dividends to policy holders during 1911, 20-25, 30 and 40 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
20 shares Boston & Maine, 

70 " Fitchburg 

50 " New York, New Haven & Hartford, 
110 " Pennsylvania, .... 

Bank Stocks. 
10 shares Fitchburg National, . 
20 " Fitchburg Safe Dep. & Trust Co., 
15 " Springfield Safe Dep. & Trust Co., 

Miscellaneous Stocks. 
120 shares American Telephone & Telegraph Co. 
50 " New England Tel. & Tel. Co. 
100 " Pullman Co., . 

State and Municipal Bonds. 
Cordele, Ga., 5s, 1932, 
Fitchburg, Mass., 4s, 1922-23, 
Hartford, Conn., 3fs, 1954, 
Holyoke, Mass., 4s, 1927, 
Lincoln, Mass., 3fs, 1932, 
Maiden, Mass., 4s, 1924, . 
Marietta, Ga., 5s, 1939, . 
Massachusetts 3fs, 1935, . 
New Haven, Conn., 4s, 1934, 
Pawtucket, R. I., 4s, 1944, 
Schenectady, N. Y., 4s, 1928, 
Stamford, Conn., 4s, 1934-38, 
Syracuse, N. Y., 4fs, 1916, 
Taunton, Mass., 4s, 1936, 
Waltham, Mass., 3fs, 1919, 
Willimantic, Conn., 4s, 1934, 
Woonsocket, R. I., 4s, 1935, 

Railroad Bonds. 
Boston Elevated 4s, 1935, 
Fitchburg 4s, 1925, . 
Fitchburg & Leominster Street 5s, 1917, 
Lake Shore & Michigan Southern 4s, 1931, 

Miscellaneous Bonds. 
United Fruit Co. 4fs, 1923, 



Book Value. 


Rate. 


Market Value. 


$3,155 00 


101 


$2,020 00 


7,930 


00 


126 


8,820 00 


7,340 


50 


137 


6,850 00 


6,740 


62 


123 


6,765 00 


1,000 


00 


173 


1,730 00 


3,000 


00 


148 


2,960 00 


1,500 


00 


228 


3,420 00 


13,664 


92 


140 


16,800 00 


6,455 


95 


152 


7,600 00 


14,078 


50 


159 


15,900 00 


5,420 


00 


105 


5,250 00 


5,088 


60 


101 


5,050 00 


933 


75 


92 


920 00 


5,056 


25 


101 


5,050 00 


2,820 


00 


95 


2,850 00 


3,030 


00 


100 


3,000 00 


5,550 


00 


106 


5,300 00 


4,887 


50 


94 


4,700 00 


3,060 


00 


100 


3,000 00 


2,017 


50 


98 


1,960 00 


5,000 


00 


99 


4,950 00 


6,055 


50 


99 


5,940 00 


5,095 


00 


102 


5,100 00 


5,075 


00 


101 


5,050 00 


2,917 


50 


98 


2,940 00 


3,000 


00 


99 


2,970 00 


1,005 


00 


99 


990 00 


4,000 


00 


95 


3,800 00 


2,000 


00 


98 


1,960 00 


5,000 


00 


102 


5,100 00 


4,350 


00 


93 


4,650 00 


2.865 


00 


96 


2,880 00 


$149,092 09 


$156,275 00 



GRAIN DEALERS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated Feb. 27, 1907. Commenced business July 10, 1907. 
DEAN K. WEBSTER, President. A. SHIRLEY LADD, Secretary. 

Office, Chamber of Commerce Building. 

Income. 
Net premiums, $44,139 82 



Gross interest on bonds, $1,746.97 

other, $0.26, 
Gross profit on sale of bonds, . 
Dividends on reinsurance, 



n 



commission on reinsurance, 



bank deposits, $71.55; all 



1,818 78 

28 75 

2,648 06 

2,682 16 



32 



GRAIN DEALERS MUTUAL FIRE INSURANCE CO. 



corps fees and taxes, 



Borrowed money, . 
Advance premiums, 

Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 

DlSBUKSEMENTS. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, 

Furniture and fixtures, . 

Fire department, patrol and salvage 

Inspections and surveys, 

State taxes on premiums, 

Gross loss on maturity of bonds, 

Borrowed money repaid, 

Interest on borrowed money, . 

All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, 

Gross assets, ....... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for return premiums, $4.60; reinsurance, $1,535.22, 
Advance premiums, ...... 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$4,000 00 
754 81 



,072 38 
44,368 43 

$100,440 81 



$19,137 37 

75 12 

12,165 16 

8,813 43 

469 17 

810 15 

799 62 

645 44 

209 13 

28 20 

987 63 

400 92 

2 50 

4,000 00 

22 25 

305 15 



,871 24 



$51,569 57 



$47,666 90 

441 39 

982 37 

2,478 91 

$51,569 57 



841 24 
$52,410 81 



206 90 



$52,203 91 

$26 00 

22,445 94 

219 81 

38 40 

135 05 

1,539 82 

754 81 


$25,159 83 
27,044 08 



,203 91 



GROVELAND MUTUAL FIRE INSURANCE CO. 



33 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$2,662,166 00 
3,543,377 00 



Cash Prem's. 

$53,983 93 
68,232 63 



^6,205,543 00 

2,917,861 00 

$,287,682 00 

990,367 00 

^2,297,315 00 



$122,216 56 
57,684 37 

$64,532 19 
19,640 31 

$44,891 88 



Conting't Prem's. 

$53,983 93 
68,232 63 

$122,216 56 

57,684 37 

$64,532 19 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends paid policy holders from organization of company, 

Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 20 and 25 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Maine 3s, 1912, .... 

Waltham, Mass., 4Js, 1916, 

Railroad Bonds. 
Boston & Albany 4s, 1934, 
Boston & Maine 3|s, 1921, 
Boston & Maine 4|s, 1929, 
Boston & Northern Street 1st 4s, 1954, 
Lake Shore & Michigan Southern 4s, 1931, 
N. Y., N. H. & Hartford deb. 4s, 1955-56, 
West End Street 4s, 1917, 
West End Street 4|s, 1930, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Detroit Edison Co. 5s, 1933, 
Massachusetts Gas Co. 4|s, 1929, 
Minneapolis Gas Light Co. 5s, 1930, . 
Portland General Electric Co., Ore., 1st 5s, 1935, 
Southern Power Co. 1st 5s, 1930, 
United Fruit Co. deb. 4Js, 1925, 



$167,869 91 
55,027 17 
26,328 65 
19,163 37 



Book Value. 


Rate. 


Market Value. 


$2,922 


90 


100 


$3,000 00 


1,040 


00 


103 


1,030 00 


2,040 


00 


99 


1,980 00 


1,857 


50 


93 


1,860 00 


3,155 


00 


102 


3,060 00 


2,730 


00 


92 


2,760 00 


1,795 


00 


93 


1,860 00 


2,840 


00 


93 


2,790 00 


1,995 


00 


99 


1,980 00 


2,040 


00 


103 


2,060 00 


7,360 


00 


90 


7,200 00 


3,000 


00 


101 


3,030 00 


2,002 


50 


99 


1,980 00 


2,029 


00 


100 


2,000 00 


3,000 


00 


101 


3,030 00 


4,000 


00 


100 


4,000 00 


3,860 


00 


96 


3,840 00 


$47,666 90 


$47,460 00 



GROVELAND MUTUAL FIRE INSURANCE COMPANY, GROVELAND. 

Incorporated March 8, 1828. Commenced business March 28, 1828. 
WILLIAM T. PIKE, President. LOUIS A. WOODBURY, Secretary. 

[Note. — This company relies upon assessments on deposit notes to pay losses and expenses.] 

Income. 
Assessments, . . $9,417 56 



Policy fees, 

Total income, 
Ledger assets, Dec. 31, 1910, 



351 00 



),768 56 
240 37 



Total, 



$10,008 93 



34 



GROVELAND MUTUAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
State taxes on assessments, . . . 
Borrowed money repaid, .... 

Interest on borrowed money, . ... 

All other disbursements, . . • 

Total disbursements, .... 

Balance, . . ... 

Ledger Assets. 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 

Total ledger assets, 

Non-Ledger Assets. 

Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, ..... 

Gross assets, ....... 

Assets not admitted. 
Supplies, printed matter and stationery, . 
Furniture, fixtures and safes, ..... 

Admitted assets, ...... 

Liabilities. 
Salaries, expenses and accounts, due or accrued, 



8,628 61 
18 65 

1,237 03 
25 00 
10 75 
54 64 
50 96 

5,500 00 

266 50 

41 00 



),833 14 



$175 79 



• , • 


$138 51 
37 28 


• 


$175 79 


• 


20 00 
290 00 


• 


$485 79 


$20 00 
290 00 


310 00 


. 


$175 79 



Risks and Premiums. 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



$1,861,090 00 
401,259 00 

$2,262,349 00 
362,701 00 



$299 00 



Conting't Prem's. 

$153,268 18 
33,359 40 

$186,627 58 
29,833 00 



$1,899,648 00 $156,794 58 



Miscellaneous. 

Net assessments received since 1849, ..... 

Net losses paid since 1850, ....... 

Losses incurred during the year, ...... 

Assessments laid during the year on deposit notes or contingent 
premiums, . . . . . 



$110,625 26 ! 
74,432 45 
2,628 61 

9,417 56 



HAMPSHIRE MUTUAL FIRE INSURANCE CO. 



35 



HAMPSHIRE MUTUAL FIRE INSURANCE COMPANY, 

NORTHAMPTON. 

Incorporated March 6, 1830. Commenced business July 1, 1832. 
CHARLES N. CLARK, President. OLIVER WALKER, Secretary 

Income. 
Net premiums, ........ 

Gross interest on mortgages, $770; stocks and bonds, $1,689.64 
bank deposits, $173.22, 

Total income, ....... 

Ledger assets, Dec. 31, 1910, ...... 



Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
State taxes on premiums, .... 

Other licenses, fees and taxes, 

Purchase of rights, . . . ... 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $227.11; bonds, $274; other assets, $48.68, 
Market value of stocks and bonds over book value, . 
Furniture, fixtures and supplies, .... 

Gross assets, ....... 

Assets not admitted. 
Furniture, fixtures and supplies, . . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, 
Unearned premiums on outstanding risks, 



$17,334 44 

2,632 86 

$19,967 30 
51,070 44 

$71,037 74 



$7,393 10 


79 29 


6,990 43 


2,301 18 


2,062 00 


125 00 


156 09 


86 86 


23 48 


164 70 


136 68 


28 72 


80 01 


$19,627 54 


$51,410 20 


$14,350 00 


29,951 45 


88 75 


6,334 01 


685 99 


$51,410 20 


549 79 


11,546 55 


600 00 



$64,106 54 



600 00 
$63,506 54 

$2,404 38 
30,632 56 



36 



HINGHAM MUTUAL FIRE INSURANCE CO. 



Dividends due policy holders, 

Salaries, expenses and accounts, due or accrued, 

Federal, state and other taxes, due or accrued, 

Total, 

Surplus to policy holders, . 

Total liabilities, including surplus, 



$361 40 
3 31 

77 91 



Risks and Premiums. 

Risks. 

. $4,011,827 00 
1,145,445 00 



55, 157,272 00 
1,119,502 00 



$79,504 88 
17,927 98 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . . $4,037,770 00 

Miscellaneous. 

Net losses paid from organization of company, 

Losses incurred during the year, ..... 

Dividends to policy holders during 1911, 20, 40 and 50 per cent. 



,479 56 
30,026 98 

$63,506 54 



Cash Prem's. Conting't Prem's. 

$61,604 28 $61,604 28 
17,900 60 17,900 60 



$79,504 88 
17,927 98 



,576 90 $61,576 90 



$374,062 12 

9,797 48 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
63 shares Connecticut River, 
30 " Pennsylvania, .... 

Bank Stocks. 
10 shares Northampton National, 

Miscellaneous Stocks. 
10 shares United States Steel Cor. pref., 

Railroad Bonds. 
N. Y., N. H. & Hartford conv. 6s, 1948, . 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Union Pacific (Oregon Short Line) 4s, 1929, 
West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
Massachusetts Gas Co. 4£s, 1929, 
Pacific Telephone & Telegraph Co. 1st 5s, 1937, 
United States Envelope Co. 5s, 1919, 
United States Steel Corporation 5s, 1963, . 



Book Value. 

$6,650 00 

1,853 75 

1,100 00 

1,192 50 

3,360 00 
6,000 00 
1,890 00 
1,062 50 

1,857 50 
977 50 
977 50 
975 20 

2,055 00 

$29,951 45 



Rate. 
271 
123 

200 

111 



Market Value. 

$17,073 00 

1,845 00 

2,000 00 

1,110 00 



132 3,960 00 

97 5,820 00 

94 1,880 00 

97 970 00 



90 

99 

99 

102 

102 



1,800 00 

990 00 

990 00 

1,020 00 

2,040 00 



$41,498 00 



HINGHAM MUTUAL FIRE INSURANCE COMPANY, HINGHAM. 

Incorporated March 4, 1826. Commenced business Sept. 1, 1826. 
HENRY W. CUSHING, President. ALAN F. HERSEY, Secretary. 

Income. 
Net premiums, .... . . . ' . $90,015 74 

Gross interest on mortgages, $1,136.27; stocks and bonds, 
$9,702.58; bank deposits, $599.35; gross rents, for company's 

own occupancy, $700, 12,138 20 

Dividends and return premiums on reinsurance, . . . 41 60 

Total income, $102,195 54 

Ledger assets, Dec. 31, 1910, 279,456 40 



Total, 



$381,651 94 



IIINGHAM MUTUAL FIRE INSURANCE CO. 



37 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and survej^s, ..... 

Taxes and repairs on real estate, . . ... 

State taxes on premiums, 
Gross loss on sale of bonds, 
Accrued interest on bonds sold, 
All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, . . . ... 



Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $230.41; bonds, $2,300.61; other assets, $145.75, 

Gross assets, ....... 

Assets not admitted. 
Book value of stocks and bonds over market value, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and .brokers, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . . . ... 

Total liabilities, including surplus, 



$31,913 85 
856 25 


39,052 01 
13,072 04 


93 36 


7,643 14 
700 00 


822 62 


432 04 


97 03 


35 00 


210 74 


26 33 


2,237 24 

85 77 


838 22 


218 75 


100 00 


652 92 


$99,087 31 


$282,564 63 


$7,500 00 
21,300 .00 


231,456 00 
210 46 


17,319 24 
4,778 93 



!,564 63 



2,676 77 



• 


. $285,241 40 
9,285 00 




. $275,956 40 

$759 15 

159,826 82 

1,173 44 

167 10 

3 48 

266 49 




. $162,196 48 
113,759 92 



$275,956 40 



38 



HINGHAM MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1910, . 
Written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Bisks. 

. $26,301,320 00 
7,450,365 00 



Cash Prem's. 

$363,780 41 
93,742 29 



Conting't Prem's. 

$363,780 41 
93,742 29 



$33,751,685 00 

7,896,383 00 

$25,855,302 00 

70,129 00 



$457,522 70 $457,522 70 
118,026 19 118,026 19 



$339,496 51 $339,496 51 
801 05 



$25,785,173 00 $338,695 46 



Miscellaneous. 
Net premiums received from organization of company, . . $3,631,446 73 
Net losses paid from organization of company, . . . 1,311,201 23 

Cash dividends paid policy holders from organization of company, 2,032,252 08 
Losses incurred during the year, ...... 32,598 00 

Dividends to policy holders during 1911, 20, 25, 30, 35 and 40 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. ' 
40 shares Boston Elevated, 
25 " Union Pacific, preferred, . : . 

Bank Stocks. 
30 shares Hingham National, 

11 " National Bank of Commerce, Eoston, 

12 " National Union, Boston, . 

60 " Old Colony National, Plymouth, 

22 " Webster Atlas Nat., Boston, . 
Miscellaneous Stocks. 
200 shares Helena Water Co., . 

62 " Hingham Water Co., 

50 " United Shoe" Machinery Corp., pref., 
Municipal Bonds. 
Spokane, Wash., 5s, 1921, . •. % 

Railroad Bonds. 
Boston & Albany 4s, 1933, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1927, 
Boston & Maine 4s, 1926, 
Boston, Revere Beach & Lynn 4^s, 1927, 
Chicago, Burl. & Quincy (111. Div.) 3fs, 1949, 
Chicago, Burl. & Quincy (Iowa Div.) 4s, 1919, 
Current River 5s, 1927, .... 
Fitchburg 4s, 1925, .... 

Lake Shore & Michigan Southern 4s, 1928, 
New York, New Haven & Hartford 4s, 1955, 
New York, Phila. & Norfolk income 4s, 1939, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Old Colony 4s, 1925 

Union Pacific 4s, 1947, .... 
Wabash equipment 4fs, 1916, . 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Helena Water Works Co. 4s, 1928, . 
Hingham Water Co. 5s, 1923-25, 



Book Value. 

$5,765 00 

2,500 00 

3,000 00 

1,100 00 

1,200 00 

6,000 00 

2,480 00 



6,200 00 
1,525 00 

5,049 00 

24,000 00 
7,872 50 

10,000 00 
5,000 00 
5,350 00 
9,612 50 
1,982 50 

10,100 00 
9,768 75 

10,037 50 
5,062 50 

18,775 00 
7,000 00 

18,000 00 
5,000 00 
6,727 00 

21,348 75 
10,000 00 
11,000 00 

$231,456 00 



Rate. 

130 

93 

115 
185 
208 
120 
180 



120 
114 

103 

99 
95 
99 
96 

103 
88 
99 
98 
98 
94 
93 
93 
97 
99 

101 
97 

90 
100 



Market Value. 

$5,200 00 

2,325 00 

3,450 00 

2,035 00 

2,496 00 

7,200 00 

3,960 00 



7,440 00 
1,425 00 

5,150 00 

23,760 00 
7,600 00 
9,900 00 
4,800 00 
5,150 00 
8,800 00 
1,980 00 
9,800 00 
9,800 00 
9,400 00 
4,650 00 

18,600 00 
6,790 00. 

17,820 00 
5,050 00 
6,790 00 

19,800 00 
11,000 00 

$222,171 00 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



39 



HOLYOKE MUTUAL FIRE INSURANCE COMPANY, SALEM. 

Incorporated March 14, 1843. Commenced business May 23, 1843. 
CHARLES H. PRICE, President. LOUIS O. JOHNSON, Secretary. 

Guaranty Capital, $100,000. 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $1,205; stocks and bonds, $36,610.14; 
bank deposits, $274.75; gross rents, including $2,100 for com- 
pany's own occupancy, $5,881.64, 

Gross profit on sale of bonds, . 

Gross increase in book value of bonds, 

Dividends on reinsurance, 

Recovered on fire loss on home office building, 

Sale of rights, ..... 

Dividends from banks in liquidation, 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends on guaranty capital, , . 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own. occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Gross decrease in book value of stocks, 

Repairs on home office building on account of fire loss, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, . . 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 



$195,812 23 


43,971 53 


100 00 


2,077 20 


1,670 37 


43 00 


95 00 


620 00 



$244,389 33 
953,914 47 



,198,303 80 


$87,651 11 

1,893 45 

7,000 00 

82,985 34 

29,037 45 

1,184 89 


23,368 15 


2,100 00 


1,619 87 


1,191 76 


363 16 


876 57 


699 05 


246 25 


2,210 75 
2,034 16 


937 81 


1,171 58 


522 00 


455 89 


100 00 


43 00 



1,155 71 



$248,847 95 
$949,455 85 

$47,000 00 

24,000 00 

833,164 00 



40 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Cash in office, . . .... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on: — 
Mortgages, $285.86; bonds, $10,746.82; other assets, $60.11, 
Rents accrued on company's property, .... 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 
Commissions on unpaid return premiums and reinsurance, 
Due from other companies, . . . . 



Gross assets, . 



Assets not admitted. 



Accrued interest in default, 
Admitted assets, 



Liabilities. 



Unpaid losses, including $300 resisted, 

Unearned premiums on outstanding risks, 

Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 

Commissions and other charges due agents and brokers, 

Federal, state and other taxes, due or accrued, . 

Due for return premiums, $1,581.14; reinsurance, $496.59, 



Total, 

Guaranty capital, .... 
Surplus over all li abilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$100,000 00 

559,877 75 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$45,115,938 00 
14,355,780 00 



Cash Prem's. 

$647,013 45 
208,438 04 



$59,471,718 00 

14,316,970 00 

$45,154,748 00 

748,377 00 



$855,451 49 
210,699 97 

$644,751 52 
9,680 11 



$44,406,371 00 $635,071 41 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 20, 30, 40, 50 and 60 per 



$420 20 
13,088 24 
31,783 41 

$949,455 85 



11,092 79 

1,033 33 

13,000 00 

36,935 00 

258 99 

158 87 

,011,934 83 



395 00 
1,011,539 83 

$1,698 45 
322,159 19 
15,338 17 
1,334 61 
5,256 07 
3,797 86 
2,077 73 

$351,662 08 

659,877 75 
1,011,539 83 



Conting't Prem's. 

$647,013 45 
208,438 04 

$855,451 49 
210,699 97 

$644,751 52 



$6,604,883 04 

2,856,004 50 

2,182,112 74 

85,442 19 

cent. 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



41 



Schedule A. Stocks and Bonds owned by the 



Railroad Stocks. 
50 shares Boston & Maine, 
31 " Old Colony, 

100 " Pittsburg, Ft. Wayne & Chicago 
162 " Union Pacific, preferred, . 
25 " West End Street, 

Bank Stocks. 
30 shares Atlantic National, Boston, 
10 " Beverly National, 
10 " First National, Salem (liquid.), 
35 " Mercantile National, Salem, 
10 " Merchants National, Salem, 
50 " National Bank of Rep., Boston (liq.), 
10 " National Shawmut, Boston, 
20 " Naumkeag National, Salem (liquid.), 
93 " Salem National (liquid.), 
100 " Second National, Boston, 

Miscellaneous Stocks. 
20 shares H. B. Claflin Co., N. Y„ 1st pref., 
15 " Edison Elec. Ilium. Co., Boston, . 

State, County and Municipal Bonds. 
Auburn, Me., 3Js, 1920, . 
Belmont, Mass., 3|s, 1930, 
Beverly, Mass., 4s, 1931-32, 
Boston, Mass., 3H, 1928, . 
Buffalo, N. Y., 4s, 1931, . 
Cambridge, Mass., 4s, 1924, 
Concord, Mass., 3|s, 1932, 
Essex County, Mass., 4s, 1912-14, 
Essex County, Mass., 4£s, 1912, 
Essex County, Mass., 4?s, 1913, 
Evansville, Ind., 4§-s, 19*12, 
Everett, Mass., 4s, 1923-33, 
Framingham, Mass., 4s, 1925-26, 
Framingham, Mass., 4s, 1929, . 
Jersey City, N. J., 5s, 1916, 
Jersey City, N. J., 5s, 1922, 
Lawrence, Mass., 4s, 1923 op. 1913, 
Lowell, Mass., 4£s, 1913, . 
Lynn, Mass., 4s 1918, 
Marblehead, Mass., 4s, 1913-19, 
Massachusetts, tax exempt, 3fs, 1936, 
Massachusetts 3$s, 1933, ' . 

Newton, Mass., 4s, 1936, . 
New York, N. Y., 4s, 1959, 
Orange, N. J., 5s, 1920, . 
Pawtucket, R. I., 4s, 1923, 
Pawtucket, R. I., 4s, 1944, 
Peabody, Mass., 4s, 1923-24, . 
Salem, Mass., 3fs, 1917-18, 
Salem, Mas?., 4s, 1925-28, 
St. Paul, Minn., 5s, 1913, 
St. Paul, Minn., 4§s, 1917-18, . 
Taunton, Mass., 4s, 1915, 
Waltham, Mass., 4s, 1913, 
Waterbury, Conn., 4s, 1915-16, 
Watertown, Mass., 4s, 1912, 
Weymouth, Mass., 4s, 1925, 
Winchester, Mass., 3|s, 1921-22, 
Woonsocket, R. I., 4s, 1923, 
Woonsocket, R. I., 4|s, 1927, . 

Railroad Bonds. . 
Atchison, Topeka & Santa Fe adjust. 4s, 1995, 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Baltimore & Ohio prior lien 3Js, 1925, 
Baltimore & Ohio 1st 4s, 1948, . 
Boston & Albany 4s, 1934, 
Boston & Lowell 4s, 1918, 



Book Value. 
$5,000 00 

3,100 00 
10,000 00 
16,200 00 

1,250 00 

3,000 00 
1,000 00 

300 00 
3,500 00 

500 00 

1,000 00 



10,000 00 

2,000 00 
1,500 00 

5,000 00 

5,000 00 

9,000 00 

5,000 00 

10,000 00 

5,000 00 

10,000 00 

15,000 00 

5,000 00 

5,000 00 

6,000 00 

10,214 00 

4,000 00 

6,000 00 

5,000 00 

3,000 00 

5,000 00 

6,600 00 

8,000 00 

5,000 00 

5,000 00 

10.000 00 

5,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

10,000 00 

5,000 00 

6,000 00 

10,000 00 

15,000 00 

3,000 00 

'2,000 00 

10,000 00 

4,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 

5,000 00 
9,000 00 
10,500 00 
1,500 00 
5,000 00 
5,000 00 



Company. 

Rate. Market Value. 

101 $5,050 00 

187 5,797 00 

167 16,700 00 

93 15,066 00 

174 2,175 00 



160 

153 

5 

116 

170 

12 

415 

3 

7 

270 

92 

294 

95 

94 
105 

95 
100 
101 

93 
100 
100 
101 
100 
100 

99 

98 
104 
107 
100 
101 
101 
100 
100 

95 
101 
100 
105 

99 

98 
100 

98 
101 
101 
102 
100 
100 
100 
100 
100 

96 

99 
105 

91 
99 
92 
98 
99 
99 



4,800 00 

1,530 00 

50 00 

4,060 00 

850 00 

600 00 

4,150 00 

60 00 

651 00 

27,000 00 

1,840 00 
4,410 00 

4,750 00 
4,700 00 
9,450 00 
4,750 00 

10,000 00 
5,050 00 
9,300 00 

15,000 00 
5,000 00 
5,050 00 
6,000 00 

10,214 00 
3,960 00 
5,880 00 
5,200 00 
3,210 00 
5,000 00 
6,666 00 
8,080 00 
5,000 00 
5,000 00 
9,500 00 
5,050 00 
5,000 00 

10,500 00 
9,900 00 
4,900 00 

10,000 00 
4,900 00 
6,060 00 

10,100 00 

15,300 00 
3,000 00 
2,000 00 

10,000 00 
4,000 00 
5,000 00 
4,800 00 
4,950 00 
5,250 00 

4,550 00 
8,910 00 
9,660 00 
1,470 00 
4,950 00 
4,950 00 



42 



HOLYOKE MUTUAL FIRE INSURANCE CO. 



Boston & Maine 4s, 1926, 

Boston & Providence 4s, 1918, . 

Canada Southern 1st 6s, 1913, 

Central New Jersey gen. 5s, 1987, 

Central Pacific 1st ref. 4s, 1949, 

Central Pacific 3fs, 1929, . 

Central Vermont 1st 4s, 1920, . 

Chicago, Burlington & Quincy 5s, 1913, 

Chicago, Burl. & Quincy (Neb. ext.) 4s, 1927, 

Chicago, Burl. & Quincy (111. Div.) 3£s, 1949, 

Chicago & Western Indiana gen. 6s, 1932, . 

Cincinnati, Hamilton & Davton gen. 5s, 1942, 

Cleveland Electric 1st 5s, 1913, . 

Cleveland, Lorain & Wheeling'lst 5s, 1933, 

Delaware & Hudson 1st 7s, 1917, 

Erie & Pittsburg gen. 3§s, 1940, 

Erie (Pennsylvania collateral) 4s, 1951, 

Fitchburg4s, 1916, . . . 

Housatonic cons. 5s, 1937, 

Illinois Central (Cairo Bridge) 4s, 1950, 

Illinois Central purchased lines 1st 3§s, 1952, 

Illinois Central ref. 4s, 1955, 

Jamestown, Franklin & Clearfield 1st 4s, 1959, 

Kan. City, Ft. Scott & Memphis cons. 6s, 1928, 

Lake Shore & Michigan Southern 4s, 1928, 

Lehigh Vallej' cons. 6s, 1923, 

Long Island ref. 4s, 1949, .... 

Me. Cent. & European & No. Am. mort. 4s, 1933, 

Narragansett Pier 1st 4s, 1916, . 

New England cons. 5s, 1945, 

New Haven & Derby cons. 5s, 1918, . 

N. Y. Cent. & Hud. R. 3£s, 1997, 

N. Y. Cent. & Hud. R. (Mich. Cen. col.) 3fs, 1998, 

N. Y. Cent. & Hud. R. (Lake Shore col.) 3 Js, 1998, 

N. Y., N. H. & H. (Harlem River-Pt. Chester) 

1st 4s, 1954, 

N. Y., N. H. & Hartford conv. deb. 3^s, 1956, 
N. Y., N. H. & Hartford conv. deb. 6s, 1948, 
N. Y., N. H. & Hartford deb. 4s, 1955. 
New York, Ontario & Western 4s, 1992, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
No. West. Union 1st 7s, 1917, . 
Norwich & Worcester 4s, 1927, . 
Old Colony 4s, 1924-25, .... 
Oregon Short Line ref. 4s, 1929, 
Pennsylvania Co. 3|s, 1916, 
Pennsylvania R. R. conv. 3,1s, 1915, . 
Pennsylvania Steel Equip. Trust 3^s, 1912, 
Peoria & Northwestern 1st 3§s, 1926, 
Princeton & Northwestern 1st 3§s, 1926, 
Rich.-Wash. guar. col. tr. 4s, 1943, 
Schenectady 1st 4|s, 1941, 
Seattle Electric 1st 5s, 1930, 
St. Paul, Minn. & Manitoba cons. 4-*-s, 1933, 
Terminal Asso. St. Louis 1st 4|s, 1939, 
Third Avenue, N. Y., 1st cons. 4s, 2000, . 
Union Pacific 4s, 1947, .... 
West End Street 4s, 1915, 
West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Cotton Oil Co. deb. 4|s, 1915, 
American Tel. & Tel. Co., 4s, 1929, . 
Clinton Water Wks. Co., Clinton, la., 1st 5s, 1939, 
Hudson River Power Trans. Co. 1st 5s, 1928, 
Western Union Tel. Co. col. tr. 5s, 1938, . 
Woonsocket El. Mch. & Power Co. cons. 4-|s, 1943, 



Book Value. 
$15,000 00 
9,000 00 
5,000 00 
7,000 00 
3,000 00 
500 00 
2,000 00 

10,000 00 
5,000 00 
5,000 00 
6,000 00 

10,000 00 
2,000 00 

15,000 00 
5,000 00 
5,000 00 
5,000 00 

10,000 00 

10,000 00 
3,000 00 
5,000 00 

10,000 00 
5,000 00 

13,000 00 
5,000 00 
5,000 00 
5,000 00 
4,000 00 

10,000 00 

25,000 00 

20,000 00 
3,000 00 
3,000 00 
5,000 00 

5,000 00 
9,000 00 
2,000 00 

10,000 00 

20,000 00 
5,000 00 
8,000 00 
5,000 00 

15,000 00 
5,000 00 
1,000 00 
5,000 00 
4,000 00 
8,000 00 

11,000 00 
5,000 00 
5,000 00 
2,000 00 

12,000 00 
6,000 00 
2,000 00 

22,500 00 
3,000 00 

10,000 00 

10,000 00 
15,000 00 
5,000 00 
2.000 00 
5,000 00 
3,000 00 

$833,164 00 



Rate. 

96 

99 

102 

122 

96 

91 

90 

101 

98 

88 

109 

103 

100 

111 

115 

91 

89 

99 

114 

95 

86 

96 

94 

117 

94 

118 

96 

97 

99 

116 

104 

88 

79 

81 

99 

92 

132 

93 

95 

97 

113 

99 

99 

94 

98 

97 

100 

92 

92 

97 

102 

105 

106 

105 

76 

101 

99 

97 

98 

90 
100 

80 
101 

94 



Market Value. 
$14,400 00 
8,910 00 
5,100 00 
8,540 00 
2,8S0 00 
455 00 
1,800 00 

10,100 00 
4,900 00 
4,400 00 
6,540 00 

10,300 00 
2,000 00 

16,650 00 
5,750 00 
4,550 00 
4,450 00 
9,900 00 

11,400 00 
2,850 00 
4,300 00 
9,600 00 
4,700 00 

15,210 00 
4,700 00 
5,900 00 
4,800 00 
3,880 00 
9,900 00 

29,000 00 

20,800 00 
2,640 00 
2,370 00 
4,050 00 

4,950 00 
8,280 00 
2,640 00 
9,300 00 

19,000 00 
4,850 00 
9,040 00 
4,950 00 

14,850 00 
4,700 00 
980 00 
4,850 00 
4,000 00 
7,360 00 

10,120 00 
4,850 00 
5,100 00 
2,100 00 

12,720 00 
6,300 00 
1,520 00 

22,725 00 
2,970 00 
9,700 00 

9,800 00 

13,500 00 

5,000 00 

1,600 00 

5,050 00 

2,820 00 

$870,099 00 



INDUSTRIAL MUTUAL INSURANCE CO. 



43 



INDUSTRIAL MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated April 17, 1890. Commenced business June 1, 1890. 
CHARLES T. PLUNKETT, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 

Income. 
Net premiums, ...... 

Gross interest on bonds, $13,660.37; bank deposits, $796.76, 
Gross profit on sale of bonds, ...... 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursement s. 
Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
Inspection department, for inspections, maps, plans 

ment of losses, . 
State taxes on premiums, 
Insurance department licenses and fees, . 
Other licenses, fees and taxes, 
Gross loss on sale of bonds, 
Gross decrease in book value of bonds, 
All other disbursements, 

Total disbursements, 

Balance, . 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, . . . 
Deposits in trust companies and banks on interesl 
Premiums in course of collection, 



and a 



djust 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, .... 

Gross assets, ...... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, 



$293,241 36 

14,457 13 

146 60 



$307,845 09 
339,570 50 



$647,415 59 


$9,812 72 

271,316 66 

9,246 72 

810 00 


919 02 


482 28 


43 30 


4,190 53 

3,280 52 

185 00 


1,298 04 
312 50 


141 25 


1,007 45 


$303,045 99 


$344,369 60 


$318,250 48 
60 21 


11,292 28 


14,766 63 


$344,369 60 


4,796 21 


$349,165 81 


8,790 48 


$340,375 33 



44 



INDUSTRIAL MUTUAL INSURANCE CO. 



Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . . . 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $35,434,649 00 
. 36,089,631 00 



$739 05 

151,718 15 

242 27 

2,793 96 

$155,493 43 
184,881 90 

$340,375 33 



Cash Prem's. Conting't Prem's. 

$308,892 05 $1,544,460 25 
309,664 97 1,548,324 85 



$71,524,280 00 
36,821,749 00 



$618,557 02 $3,092,785 10 
317,915 35 1,589,576 75 



,702,531 00 $300,641 67 $1,503,208 35 



Miscellaneous. 
Net premiums received from organization of company, . . $4,674,020 27 

Net losses paid from organization of company, . . . 722,148 75 

Cash dividends paid policy holders from organization of company, 3,405,054 34 
Losses incurred during the year, . . . . . . 9,760 33 

Dividends to policy holders during 1911, 90 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Fall River, Mass., 3|s, 1915, . 
Massachusetts 3|s, 1933, 
Massachusetts 3§s, 1940, 

Railroad Bonds. 
Aurora, Elgin & Chicago 5s, 1946, 
Bangor & Aroostook cons. 4s, 1951, . 
Boston Elevated 4s, 1935, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 4s, 1955, 
Chicago, Indiana & Southern 4s, 1956, 
Chicago, Rock Island & Pacific 4§s, 1915, 
Colorado & Southern 4^s, 1935, 
El Paso & Rock Island 5s, 1951, 
Florida East Coast 4§s, 1959, . . 

Maine Central 4|s, 1916, 
Maryland, Delaware & Virginia 5s, 1955, . 
Missouri Pacific 5s, 1914, 

N. Y. Cent. & Hud. R. (Lake Shore col.) 3§s, 1998, 
New York, Chicago & St. Louis 4s, 1931, . 
New York, New Haven & Hartford 4s, 1955, 
New York, New Haven & Hartford 4s, 1914, 
New York, Ontario & Western 5s, 1915, . 
Northern Maine Seaport 5s, 1935, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Richmond-Washington 4s, 1943, 
Rock Is., Arkansas & Louisiana 4|s, 1934, 
Worcester & Holden Street 5s, 1923, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 
Billings & East. Montana Power Co. 6s, 1934, 
New England Tel. & Tel. Co. 4s, 1930, 



Book Value. 


Rate. 


Market Value. 


$10,000 00 


100 


$10,000 00 


4,000 


00 


95 


3,800 00 


39,073 


60 


94 


38,540 00 


4,750 


00 


95 


4,750 00 


3,400 


00 


81 


3,240 00 


3,000 


00 


95 


2,850 00 


4,821 


88 


96 


4,800 00 


3,000 


00 


99 


2,970 00 


14,437 


50 


92 


13,800 00 


2,000 


00 


99 


1,980 00 


5,000 


00 


97 


4,850 00 


1,920 


00 


102 


2,040 00 


4,812 


50 


97 


4,850 00 


5,000 


00 


101 


5,050 00 


5,000 


00 


99 


4,950 00 


4,925 


00 


100 


5,000 00 


8, 8,000 


00 


81 


8,100 00 


7,432 


50 


90 


7,200 00 


15,000 


00 


93 


13,950 00 


980 


00 


100 


1,000 00 


5,000 


00 


102 


5,100 00 


15,000 


00 


105 


15,750 00 


15,530 


00 


97 


15,520 00 


7,000 


00 


97 


6,790 00 


4,693 


75 


93 


4,650 00 


3,000 


00 


100 


3,000 00 


22,485 


00 


90 


20,700 00 


20,000 


00 


89 


17,800 00 


5,000 


00 


97 


4,850 00 


20,000 


00 


91 


18,200 00 



LOWELL MUTUAL FIRE INSURANCE CO. 



45 



New England Tel. & Tel. Co. 5s, 1919, 
Western Electric Co. 5s, 1922, . 
Western Tel. & Tel. Co. 5s, 1932, 
Western Union Telegraph Co., 4js, 1950, 



Book Value. 

$19,000 00 

2,988 75 

3,000 00 

29,000 00 


Rate. 
101 
102 
100 
97 


Market Value. 

$19,190 00 

3,060 00 

3,000 00 

28,130 00 


$318,250 48 


$309,460 00 



LOWELL MUTUAL FIRE INSURANCE COMPANY, LOWELL. 

Incorporated March 6, 1832. Commenced business April, 1832. 
CHARLES A. STOTT, President. JOSEPH PEABODY, Secretary. 

Income. 
Net premiums, ....... 

Gross interest on mortgages, $331.30; stocks and bonds, $7,751.33 

bank deposits, $462.92, 
Gross increase in book value of bonds, 
Sale of rights, .... 

Dividends on reinsurance, 
Return premiums on reinsurance, 
From all other sources, . 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



$71,700 02 


8,545 55 


810 00 


70 30 


537 05 


307 68 


1,579 90 



$83,550 50 
183,101 41 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, . 

Postage, telegrams, telephone and express, . ' . 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards, tariff associations, fire department, 

and salvage corps fees and taxes, 
State taxes on premiums, . . . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), - . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



patrol 



$266,651 91 


$33,599 37 
737 76 


23,121 56 


10,986 95 
10,138 80 


1,200 00 


633 42 


613 14 


2,226 31 


984 15 


488 86 


820 96 


142 00 


56 70 


416 72 


$86,166 70 


$180,485 21 


$6,100 00 

155,100 00 

437 16 


10,025 50 


8,822 55 


$180,485 21 



46 



LOWELL MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $73.62; bonds, $1,356.02, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Liabilities. 
Unpaid losses, . . • . . . 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for return premiums, .... 

Total, ._ 

Surplus to policy holders, 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$13,346,979 00 
5,164,456 00 



Cash Prem's. 

$206,587 96 
80,211 50 



$1,429 64 
26,097 00 



,011 85 



$3,277 17 

105,066 99 

1,059 76 

1,000 42 

143 39 

298 38 

$110,846 11 
97,165 74 

$208,011 85 



Conting't Prem's. 

$206,587 96 
80,211 50 



$18,511,435 00 
4,344,429 00 

$14,167,006 00 
689,679 00 



$286,799 46 $286,799 46 
69,797 97 69,797 97 



$217,001 49 $217,001 49 
10,492 84 



$13,477,327 00 $206,508 65 



Miscellaneous. 
Losses incurred during the year, ..... 
Dividends to policy holders during 1911, 20, 40 and 60 per cent. 



$35,892 16 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
20 shares Boston & Lowell, 
37 " Boston & Maine, 
71 " Lowell & Andover, 
6 " Vermont & Massachusetts, 

Bank Stocks. 
16 shares Union National, Lowell, 

Miscellaneous Stocks. 
36 share? Appleton Company, Lowell, 
70 
2 

15 

16 
16 
46 
50 
132 
2 



Bigelow Carpet Company, Lowell, 
Hamilton Manufacturing Co., Lowell, 
Hill Company, Lewiston, Maine, 
Lawrence Co., Lowell, 
Lowell Bleachery, 
Lowell Gas Light Co., 
Massachusetts Cotton Mills, 
Merrimack Mfg. Co., Lowell, 
Pacific Mills, Lawrence, 
Municipal Bonds. 

Boston, Mass., 4s, 1923, .... 

Middleton, Conn., 3*s, 1921, 

Sharon, Mass., 4s, 1923-24, 



Book Value. 


Rate. 


Market Value. 


$2,000 00 


220 


$4,400 00 


3,700 00 


101 


3,737 00 


7,100 00 


215 


15,265 00 


600 00 


164 


984 00 


1,600 00 


181 


2,896 00 


3,600 00 


185 


6,860 00 


. , 7,000 00 


168 


11,760 00 


2,000 00 


82 


1,640 00 


1,500 00 


105 


1,575 00 


1,600 00 


175 


2,800 00 


1,600 00 


211 


3,376 00 


4,600 00 


299 


13,754 00 


5,000 00 


120 


6,000 00 


13,200 00 


40 


5,280 00 


2,000 00 


378 


7,560 00 


2,000 00 


101 


2,020 00 


3,000 00 


95 


2,850 00 


2,000 00 


99 


1,980 00 



LUMBER MUTUAL TIRE INSURANCE CO. 



47 



Div.) 3§s, 1949, 
Div.) 4s, 1949, 



Railroad Bonds. 
Boston & Albany 4s„ 1935, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1916, 
Boston & Lowell 4s, 1932, 
Boston & Maine 3§s, 1925, 
Boston & Maine 3£s, 1921, 
Central Vermont 4s, 1920, 
Chicago, Burl. <fe Quincy (111. 
Chicago, Burl. & Quincy (111. 
Chicago, Burl. & Quincy (Iowa Div.) 4s, 1919, 
Chicago & Northwestern 4s, 1987, 

Fitchburg 4s, 1915, 

Fitchburg 4s, 1925 

Illinois Central 3 hs, 1951, 

New York Central & Hudson River 3|s, 1997, 

N. Y. Cent. Lines equip. 5s, 1916-17, 

New York, New Haven & Hartford 4s, 1955-56, 

Portland & Rumford Falls 4s, 1926, . 

Richmond & Washington 4s, 1943, 

Washington County 3^s, 1954, . 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Western Tel. & Tel. Co. notes, 5s, 1912, 



Book Value. 

$3,000 00 

10,000 00 
6,000 00 
3,000 00 
1,000 00 
4,000 00 
1,000 00 
2,000 00 
2,000 00 
3,000 00 
3,000 00 
7,000 00 
3,000 00 
3,000 00 
1,000 00 
2,000 00 

18,000 00 
3,000 00 
2,000 00 
1,000 00 

8,000 00 
5,000 00 

$155,100 00 



Rate. 
99 
95 
99 
98 
91 
93 
90 
88 

100 
99 
98 
99 
98 
90 
88 

102 
93 
97 
97 
83 

90 

100 



Market Value. 

$2,970 00 

9,500 00 

5,940 00 

2,940 00 

910 00 
3,720 00 

900 00 
1,760 00 
2,000 00 
2,970 00 
2,940 00 
6,930 00 
2,940 00 
2,700 00 

880 00 

2,040 00 

16,740 00 

2,910 00 

1,940 00 

830 00 

7,200 00 
5,000 00 

$181,197 00 



THE LUMBER MUTUAL FIRE INSURANCE COMPANY OF BOSTON, 

MASSACHUSETTS. 

Incorporated Feb. 13, 1895. Commenced business March 28, 1895. 
GEORGE W. GALE, President. HARRY E. STONE, Secretary. 

Office, 141 Milk Street. 

Income. 
Net premiums, ........ 

Gross interest on bonds, $22,235.11; bank deposits, $3,725.58 

all other, $0.55, 

Gross profit on sale of bonds, . . . . . . 

Gross increase in book value of bonds, .... 

Gale and Stone agency, . . . . . . • 

Agents' balances previously charged off, .... 



Total income, ..... 

Ledger assets, Dec. 31, 1910, . 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Commissions or brokerage, 
Agency expenses, ..... 

Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, 



$392,376 30 

25,961 24 

1,567 50 

14,884 83 

16,000 00 

41 36 



$450,831 23 
580,661 60 



1,031,492 83 


$129,524 07 
383 16 


146,016 94 
22,027 14 


1,101 55 


33,581 54 
3,458 40 
2,212 52 


1,371 67 


285 00 


649 00 


342 44 



48 LUMBER MUTUAL FIRE INSURANCE CO. 

Inspections and surveys, ....... $5,167 98 

State taxes on premiums, ....... 6,175 96 

Insurance department licenses and fees, ..... 950 92 

Other licenses, fees and taxes, ...... 184 21 

Gross decrease in book value of bonds, . . . . . 590 22 

Agents' balances charged off, ....... 136 79 

All other disbursements, ....... 2,246 01 

Total disbursements, $356,405 52 



Balance, . . . $675,087 31 

Ledger Assets. 

Book value of bonds (schedule A), . . . . . . $554,345 21 

Cash in office, 813 21 

Deposits in trust companies and banks on interest, . . . 102,079 71 

Agents' balances, 17,849 18 



Total ledger assets, ' . $675,087 31 

Non-Ledger Assets. 

Interest accrued on bonds, ........ 3,736 99 

Due from Gale and Stone agency, . . . • . . - . 12,819 96 

Cash in hands of agents, . . . . . . 290 00 



Gross assets, • . . . . $691,934 26 

Assets not admitted. 

Agents' balances over three months due, . . $8 03 

Book value of bonds over market value, . . 6,445 21 

Due from Gale and Stone agency, . . . 12,819 96 

Cash in hands of agents, . . . . 290 00 19,563 20 



Admitted assets, $672,371 06 

Liabilities. 

Unpaid losses, including $1,000 resisted, . . . . . $7,260^73 

Unearned premiums on outstanding risks, .... 188,942 48 

Salaries, expenses and accounts, due or accrued, . . . 152 91 

Federal, state and other taxes, due or accrued, .... 4,317 02 

Total, . . . $200,673 14 

Surplus to policy holders, ....... 471,697 92 

Total liabilities, including surplus, ..... $672,371 06 

Risks and Premiums. 

Risks. Cash Prem's. Conting'tPrem's. 

In force Dec. 31, 1910, . . $15,241,424 00 $351,076 50 $1,053,229 50 

Written during the year, . 19,006,266 00 443,978 75 1,331,936 25 



Total, .... $34,247,690 00 $795,055 25 $2,385,165 75 
Expired and terminated, . 17,608,198 00 417,170 30 1,251,510 90 

In force at end of year, . . $16,639,492 00 $377,884 95 $1,133,654 85 



LUMBER MUTUAL FIRE INSURANCE CO. 



49 



Miscellaneous. 
Net premiums received from organization of company, . . $2,688,732 13 

Net losses paid from organization of company, . . . 893,087 89 

Cash dividends paid policy holders from organization of company, 799,166 03 
Losses incurred during the year, ...... 135,238 31 

Dividends to policy holders during 1911, 40 per cent. 



Schedule A. Bonds owned by the Company. 



State and Municipal Bonds 
Attleborouffh, Mass., 3£s, 1920, 
Boston, Mass., 3-Js, 1925, . 
Boston, Mass., 3fs, 1935, . 
Brockton, Mass., 3£s, 1934, 
Brookline, Mass., 3*s, 1917-19, 
Brookline, Mass., 3|s, 1920-23, 
Cambridge, Mass., 3£s, 1921, 
Cambridge, Mass., 3fs, 1925, 
Falmouth, Mass., 3fs, 1929-30, 
Falmouth, Mass., 3fs, 1931, 
Framingham, Mass., 4s, 1925-26 
Georgia 4fs, 1915, 
Gloucester, Mass., 4s, 1916-22, 
Lynn, Mass., 3£s, 1914, . 
Nashville, Tenn., 4|s, 1923, 
New Bedford, Mass., 4s, 1913, 
Pawtucket, R. I., 4s, 1944, 
Pittsfield, Mass., 3|s, 1915-17, 
Portland, Oregon, 4s, 1934, 
Stamford, Conn., 4s, 1938, 
Waltham, Mass., 3Js, 1921, 
Waterbury, Conn., 4s, 1941, 
Watertown, Mass., 4s, 1914-17, 
Railroad Bonds 
B. & O. (Pittsburgh, L. E. & W. Va.) 4s, 1941, 
Boston & Albany 3§s, 1951, 
Boston & Albany 4s, 1933, 
Boston Elevated Ry. 4is, 1941, 
Boston & Maine 4s, 1926, 
Boston & Maine 4§s, 1929, 
Boston & New York Air Line 4s, 1955, 
Boston & Northern Street 4s, 1954, . 
Boston, Revere Beach and Lynn 4fs, 1927, 
Chicago, Burlington & Quincy 4s, 1949, 
Chicago Railways Co. 5s, 1927, 
Concord & Montreal 4s, 1920, . 
Dutchess Co. 4*s, 1940, .' 
Fitchburg 4fs, 1928, 
Florida East Coast 4£s, 1959, . 
Kan. City & Memphis R.R. & Bridge Co. 5s. 1929, 
Kansas City Terminal 4s, 1960, . 
Lake Shore & Michigan Southern 4s, 1931, 
Long Island refunding 4s, 1949, 
Me. Cent. & European & No. Am. 4s, 1933, 
Minn., St. P. & S. Ste Marie (Cen. Ter.) 4s, 1941, 
Montreal Tramways Co. 5s, 1941, 
New York Central & Hudson River 4s, 1934, 
New York, New Haven & Hartford 4s, 1955-56, 
New York, New Haven & Hartford 6s, 1948, 
Nor. Pac.-Gt. Nor. (C, B & Q. col.) 4s, 1921, 
Northern Texas Traction 5s, 1933, 
Old Colony 4s, 1938, 
Old Colony St. 4s, 1954, . 
Pennsylvania 3£s, 1915, 
Portland & Ogdensburg 4§s, 1928, 
Seattle Electric Co. 5s, 1929, 
Texas Traction Co. 5s, 1937, 
West End Street 4*s, 1923, 
West End Street 4s, 1916-17, . 



Book Value. 

$4,811 92 
9,730 86 
9,000 00 

14,107 57 
6,846 50 
9,677 96 
5,089 20 

15,240 35 
2,808 87 
1,866 26 

8.086 79 
10,566 47 
12,152 76 

3,000 00 
10,467 93 

5,007 25 
10,443 75 

4,948 72 
10,903 62 

5,210 71 

7,096 29 

5.087 18 
10,197 81 

4,584 14 
3,718 54 

15,209 09 

10,000 00 
8,111 64 
5,245 58 
9,953 58 
1,804 42 

10,574 55 
5,087 50 
4,958 26 

10,000 00 
5,315 92 

11,406 88 
4,765 45 
5,179 22 
4,895 43 
9,133 32 
9,981 
5,071 
4,850 
5,012 
4,891 

25,443 67 

11,173 18 
4,774 93 
7,920 00 
5,122 53 
5,413 26 
4,702 52 
5,210 47 
4,667 15 
4,753 84 
5,108 93 
8,033 76 



01 
24 
00 
50 
49 



Rate. 

97 

95 

93 

93 

98 

97 

97 

96 

94 

93 

99 

102 

100 

100 

102 

100 

98 

98 

96 

99 

97 

99 

100 

91 
88 
99 

102 
96 

102 
99 
92 

103 

100 

100 
99 

105 

103 
97 

103 
98 
93 
96 
97 
97 

100 
93 
93 

132 
97 

101 
99 
90 
97 

103 
98 
95 

102 
99 



Market Value. 

$4,850 00 
9,500 00 
8,370 00 

13,020 00 
6,860 00 
9,700 00 
4,850 00 

14,400 00 
2,820 00 
1,860 00 
7,920 00 

10,200 00 

12,000 00 
3,000 00 

10,200 00 
5,000 00 
9,800 00 
4,900 00 

10,560 00 
4,950 00 
6,790 00 
4,950 00 

10,000 00 

4.550 00 
3,520 00 
14,850 00 
10,200 00 
7,680 00 
5,100 00 
9,900 
1,840 
10,300 
5,000 
5,000 00 
9,900 00 
5,250 00 
11.330 00 
4,850 00 
5,150 00 
4,900 00 
9,300 00 
9,600 00 
4,850 00 
4,850 00 
5,000 00 
4,650 00 
24,180 00 
13,200 00 
4,850 00 
8.0S0 00 
4,950 00 
5,400 00 
4,850 00 
5,150 00 
4,900 00 
4,750 00 
5,100 00 
7,920 00 



00 
00 
00 
00 



50 LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE INS. CO. 



Miscellaneous Bonds. 
American Agricultural Chemical Co. 5s, 1928, 
American Tel. & Tel. Co. 4s, 1929, . 
Armour & Co. 4£s, 3939, . 
Cons. Gas, El. Lt. & P. Co., Bait., Md., 5s, 1913, 
Consumers Power Co. 5s, 1936, 
Detroit Edison Co. 5s, 1933, 
Dom. P. & Tr. Co., Ltd., Hamilton, Ont., 5s, 1932, 
Iroquois Iron Co. 5s, 1914, 
Iroquois Iron Co. 5s, 1916, 
Massachusetts Gas Co. 4|s, 1929, 
Omaha Elec. Light & Power Co. 5s, 1933, 
Portland General Elec. Co. 5s, 1935, . 
Providence Securities Corporation 4s, 1957, 
San Francisco Gas & Elec. Co. 4§s, 1933, 
Sierra & San Francisco Power Co. 5s, 1949, 
Southern California Edison Co. 5s, 1939, 
Southern Power Co. 5s, 1930, . 
United Elec. Securities Co. 5s, 1937, . 
Utica Gas & Electric Co. 5s, 1957, 
Western Electric Co. 5s, 1922, . 



Book Value. 


Rate. 


Market Value. 


39,637 


58 


102 


$10,200 00 


11,475 


23 


90 


10,800 00 


4,794 


87 


92 


4,600 00 


4,934 


89 


100 


5,000 00 


9,604 


71 


96 


9,600 00 


10,028 


46 


101 


10JC0 00 


4,588 


40 


97 


4,850 00 


984 


85 


99 


990 00 


3,914 


87 


98 


3,920 00 


4,935 


71 


99 


4,950 00 


5,046 


20 


94 


4,700 00 


5,048 


53 


101 


5,050 00 


8,511 


48 


87 


8,700 00 


7,525 


88 


93 


7,440 00 


4,510 


13 


94 


4,700 00 


4,883 


04 


95 


4,750 00 


4,929 


67 


100 


5,000 00 


4,957 


81 


100 


5,000 00 


4,631 


03 


101 


5,050 00 


4,979 


10 


102 


5,100 00 


$554,345 


21 


$547,900 00 



LYNN MANUFACTURERS AND MERCHANTS MUTUAL FIRE 
INSURANCE COMPANY, LYNN. 

Incorporated Jan. 11, 1907. Commenced business Jan. 11, 1907. 
PATRICK B. MAGRANE, President. JOHN H. MADDEN, Secretary. 

Guakanty Capital, $100,000. 

Income. 

Net premiums, $6,972 00 

Gross interest on mortgages, $5,431.01; stocks, $629; bank de- 
posits, $141.17, 

Gross increase in book value of stocks, . 

Total income, . . . . . . 

Ledger assets, Dec. 31, 1910, ....... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, .... 

Expenses of adjustment and settlement of losses, 

Dividends on guaranty capital, . . . . . . 

Dividends to policy holders, ....... 

Commissions or brokerage, . . . . . ... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, .... 

All other disbursements, ....... 

Total disbursements, . . . . . . ' . 

Balance, ......... 

Ledger Assets. 
Mortgage loans on real estate, ...... 

Book value of stocks (schedule A), . . . . . . 

Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . ... 

Total ledger assets, . . 



6,201 18 


1,192 50 


$14,365 68 


125,468 45 


$139,834 13 


$2,068 55 


32 52 


6,000 00 


1,203 16 


1,394 41 


363 77 


45 92 


65 00 


$11,173 33 


$128,660 80 


$101,916 00 


16,305 00 


9,177 65 


1,262 15 


$128,660 80 



LYNN MUTUAL FIKE INSURANCE CO. 



51 



Non-Ledger Assets. 

Interest due and accrued on mortgages, . 
Market value of stocks over book value, . 

Gross assets, ...... 

Liabilities. 

Unearned premiums on outstanding risks, 
Guaranty capital, ..... 
Surplus over all liabilities, 
Surplus to policy holders, 



Total liabilities, including surplus, 



$100,000 00 
21,813 99 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$1,745,645 00 
994,193 00 



Cash Prem's. 

$14 506 66 
8,565 42 



$2,739,838 00 
716,895 00 

$2,022,943 00 
99,000 00 



$23,072 08 
6,112 03 

$16,960 05 
916 88 



$1,728 80 
35 00 

$130,424 60 

$8,610 61 

121,813 99 
$130,424 60 



Conting't Prem's. 

$14,506 66 
8,565 42 

$23,072 08 
6,112 03 

$16,960 05 



. $1,923,943 00 $16,043 17 

Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid' from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, . 
Dividends to policy holders during 1911, 20 and 30 per cent. 



Schedule A. Stocks owned by the Company. 

Bank Stocks. 
25 shares Central National, Lynn, 
50 " Manufacturers National, Lynn, . 
23 " National City, Lynn 

Miscellaneous Stocks. 
10 shares Lynn Storage Warehouse Co., 



Book Value. 

$5,625 00 
6,000 00 
3,680 00 



Rate. 
225 
123 
155 



1,000 00 



100 



$16,305 00 



$28,359 61 
5,542 31 
2,833 03 
1,777 55 



Market Value. 

$5,625 00 

6,150 00 

3,565 00 

1,000 00 
$16,340 00 



LYNN MUTUAL FIRE INSURANCE COMPANY, LYNN. 

Incorporated Feb. 20, 1828. Commenced business Aug. 1, 1828. 
JAMES S. NEWHALL, President. A. SHIRLEY BLACK, Secretary. 

Income. 
Net premiums, ........ 

Gross interest on mortgages, $912.15; stocks and bonds, $2,708.81 

bank deposits, $78.55, 

Commissions on reinsurance, . . . 
Dividends and return premiums on reinsurance, 

Total income, . . . . . . ' ,. 

Ledger assets, Dec. 31, 1910, less $15.62 error in 1910 statement, 



Total, 



$11,130 59 

3,699 51 
240 68 
150 65 

$15,221 43 
76,626 54 

$91,847 97 



52 



LYNN MUTUAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Commissions or brokerage, .... 
Salaries, fees, etc., of officers and employees, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, . 

Maps, including corrections, .... 
Underwriters' boards and tariff associations, 
State taxes on premiums, .... 
All other disbursements, .... 

Total disbursements, .... 
Balance, ...... 

Ledger Assets. 

Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A) , . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $290.07; bonds, $875.31, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, v . 
Surplus to policy holders, .... 

Total liabilities, including surplus, 



$1,725 23 


31 47 


4,719 45 


1,081 28 


3,450 00 


308 31 


74 09 


130 00 


85 00 


126 12 


98 51 


95 65 


. $11,925 11 



$79,922 86 





$369 00 

17,700 00 

58,640 48 

231 06 

2,302 06 

680 26 




. $79,922 86 

1,165 38 
3,190 52 



,278 76 



117 94 



$84,160 82 



$691 94 

20,493 53 

13 60 

5 25 

33 46 

$21,237 78 
62,923 04 

$84,160 82 



LYNN MUTUAL FIRE INSURANCE CO. 



53 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

$2,969,619 00 
923,608 00 



$3,893,227 00 

716,810 00 

$3,176,417 00 

450,488 00 

$2,725,929 00 



Cash Prem's. Conting't Prem's. 

$41,844 80 $41,844 80 
13,207 71 13,207 71 



$55,052 51 $55,052 51 
10,161 34 10,161 34 



$44,891 17 $44,891 17 
4,708 72 



182 45 



Miscellaneous. 

Net premiums received from organization of company, . . $346,178 28 

Net losses paid from organization of company, . . . 61,608 78 

Cash dividends paid policy holders from organization of company, 147,528 94 

Losses incurred during the year, ...... 2,254 16 

Dividends to policy holders during 1911, 20, 40 and 60 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 

Bank Stocks. 
5 shares Central National, Lynn, 
20 " Essex Trust Company, Lynn, 
10 " Merchants National, Boston, 
20 " National City, Lynn, . 

Municipal Bonds. 
Duluth, Minn., 1st 4§s, 1941, . 
Kennebec Water District, Me., 3§s, 1925, . 

Railroad Bonds. 
Atchison, Topeka & Santa Fe 1st 4s, 1995, 
Bangor & Aroos. (Piscataquis Div.) 1st 5s, 1943 
Chicago, Burl. & Quincy gen. 4s, 1958, 
Chicago, Burl. & Quincy (111. Div.) 3fs, 1949 
Chicago & Eastern Illinois ref. 4s, 1955, 
Chicago & Great Western 1st 5s, 1936, 
Chicago, Indiana & So. 1st cons. 4s, 1956, . 
Chicago, Rock Island & Pac. 1st ref. 4s, 1934, 
Current River 1st 5s, 1927, 
Iowa Central 1st 5s, 1938, 
Jacksonville Electric 1st 5s, 1927, 
National of Mexico prior lien 4^s, 1957, 
Ogdensburg & Lake Champlain 1st 4s, 1948, 
Rock Island-Frisco Terminal 5s, 1927, 
Southern Pacific 1st ref. 4s, 1955, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. col. tr. 4s, 1929, . 
Commonwealth Power Co. 1st 5s, 1924, 
Omaha Elec. Lt. & Power Co, 1st 5s, 1933, 
Southern California Edison Co. gen. 5s, 1939, 
The Securities Co., series C, 4s, 
United Elec. Securities Co. 5s, 1935-40, 



Book Value. 


Rate. 


Market Value. 


$500 00 


225 


$1,125 00 


3,600 00 


240 


4,800 00 


1,392 50 


283 


2,830 00 


2,000 00 


155 


3,100 00 


2,062 00 


103 


2,060 00 


912 50 


92 


920 00 


2,000 00 


99 


1,980 00 


!, 1,080 00 


105 


1,050 00 


2,005 00 


97 


1,940 00 


), 1,775 00 


88 


1,760 00 


815 00 


80 


800 00 


2,020 00 


107 


2,140 00 


952 50 


92 


920 00 


1,832 50 


89 


1,780 00 


1,000 00 


98 


980 00 


1,061 25 


102 


1,020 00 


1,880 00 


99 


1,980 00 


470 98 


92 


552 00 


2,050 00 


87 


1,740 00 


2,091 25 


101 


2,020 00 


951 25 


95 


950 00 


7,338 75 


90 


7,200 00 


1,900 00 


100 


2,000 00 


3,000 00 


94 


2,820 00 


1,950 00 


95 


1,900 00 


800 00 


58 


464 00 


11,200 00 


100 


11,000 00 


$58,640 48 


$61,831 00 



54 



MERCHANTS AND FARMERS MUTUAL FIRE INSURANCE CO. 



MERCHANTS' AND FARMERS' MUTUAL FIRE INSURANCE 
COMPANY, WORCESTER. 

Incorporated April 1, 1846. Commenced business Jan. 1, 1847. 
HENRY M. WITTER, President. HARRY S. MYRICK, Secretary 

Income. 

Net premiums, ......... 

Gross interest on mortgages; $593.92; stocks and bonds, $8,128.56; 
bank deposits, $269.68; gross rents, $3,600, .... 

Gross profit on sale of stocks and bonds, ..... 

Sale of rights, ......... 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, . . . • . 

Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, .... 

Repairs and expenses on real estate, 
Taxes on real estate, . . . 
State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, .... 

All other disbursements, .... 

Total disbursements, . . . 



Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



$85,436 86 

12,592 16 

3,890 20 

18 60 



$101,937 82 
261,305 22 



$363,243 04 


$30,711 03 


854 29 


27,076 93 


13,609 44 


8,710 81 


895 00 


1,150 04 


423 66 


53 50 


268 49 


872 00 


453 66 


194 65 


783 84 


165 45 


716 50 


1,152 02 


295 00 


35 00 


593 75 


743 59 


$89,758 65 


$273,484 39 


$57,482 35 


8,650 00 


191,117 71 


514 97 


5,274 98 


10,444 38 


$273,484 39 



MERCHANTS AND FARMERS MUTUAL FIRE INSURANCE CO. 



55 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $109.42; bonds, $2,766.23, 
Rents accrued on company's property, 
Market value of real estate over book value, 

Gross assets, ...... 

Assets not admitted. 
Book value of stocks and bonds over market value, 
Accrued interest in default, .... 

Admitted assets, 



$2,562 71 
400 00 



Liabilities. 

Unpaid losses, including $688.50 resisted, $3,528.80; less reinsur 

ance, $372.94, . . . 
jjjnearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, . 
Due for return premiums, . . . . 



Total, . . 
Surplus to policy holders, 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

. $21,298,540 00 
7,128,879 00 



$2,875 65 

300 00 

2,517 65 

$279,177 69 

2,962 71 
$276,214 98 



$3,155 86 

131,732 76 

1,363 26 

215 42 

1,566 66 

1,361 22 

749 99 

$140,145 17 
136,069 81 

$276,214 98 



CashPrem's. Conting't Prem's, 

$287,411 48 $287,411 48 
93,616 98 93,616 98 



$28,427,419 00 

7,036,960 00 

$21,390,459 00 

827,121 00 



$381,028 46 $381,028 46 
100,094 59 100,094 59 



$280,933 87 $280,933 87 
11,637 53 



$20,563,338 00 $269,296 34 



v Miscellaneous. 
Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 20, 30 and 40 per cent. 



$32,956 99 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

60 shares Atchison, Topeka & Santa Fe, com., . $5,097 75 107 $6,420 00 

51 " Atchison, Topeka & Santa Fe, pref., . 2,224 44 104 5,304 00 

7 " Union Pacific, preferred,' . . . - 725 00 93 651 00 

Bank Stocks. 

8 shares Worcester Trust Co., .... 1,320 00 225 1,800 00 

Miscellaneous Stocks. 

15 shares American Tel. & Tel. Co., . . . 2,478 27 140 2,100 00 

42 " Worcester Gas Light Co., . . . 8,935 00 280 11,760 00 



56 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



Municipal Bonds. 
Memphis, Term., 4§s, 1945, . 
New York, N. Y., corporate stock 4js, 1960, 

Seattle, Wash., 4|s, 1931, 

Railroad Bonds. 
Atch., Top. & Santa Fe (Trans. Short Line) 4s, 1958, 
Bangor & Aroostook 4s, 1951, 
Berkshire Street 1st 5s, 1922, . 
Boston & Albany 4s, 1935, 
Boston Elevated 4|s, 1941, 
Boston & Worcester St. 1st 4fs, 1923, 
Buffalo & Susquehanna 1st ref. 4s, 1951, 
Chicago, Rock Island & Pacific 1st 4s, 1934, 
Chicago & Western Indiana 4s, 1952, 
Duluth, Missabe & Northern gen. 5s, 1941, 
Metropolitan St., Kansas City, Mo., 5s, 1913, 
N. Y., N. H. & Hartford conv. 6s, 1948, . 
New York, Westchester & Boston 1st 4|s, 1946, 

Pere Marquette 4s, 1951 

Pere Marquette 4s, 1943, .... 
Southern Indiana 4s, 1951, 
St. Louis, Iron Mountain & Southern 4s, 1933, 
Worcester Consolidated Street 5s, 1927, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. col. trust 4s, 1929, 



Book Value. 

$5,088 50 

5,068 75 

10,200 00 

6,522 50 
9,700 00 
5,200 00 

14,550 00 
5,075 00 

15,556 25 
4,950 00 
9,775 00 
9,900 00 
5,250 00 
2,940 00 
6,698 75 
4,812 50 
4,750 00 
4,775 00 

14,100 00 
9,525 00 

10,500 00 

5,400 00 
$191,117 71 



Rate. 
102 
102 
102 

93 
81 

102 
99 

102 
96 
46 
89 
92 

104 
95 

132 
98 
80 
83 
84 
83 

107 

90 



Market Value. 

$5,100 00 

5,100 00 

10,200 00 

6,510 00 
8,100 00 
5,100 00 

14,850 00 
5,100 00 

15,360 00 
2,300 00 
8,900 00 
9,200 00 
5,200 00 
2,850 00 
6,600 00 
4,900 00 
4,000 00 
4,150 00 

12,600 00 
8,300 00 

10,700 00 

5,400 00 

$188,555 00 



MERRIMACK MUTUAL FIRE INSURANCE COMPANY, ANDOVER. 

Incorporated Feb. 7, 1828. Commenced business April 8, 1828. 
JOS. A. SMART, President. BURTON S. FLAGG, Secretary. 

Income. 

Net premiums, $134,120 03 

Gross interest on mortgages, $3,975.71; collaterals, $37.50; stocks 

and bonds, $5,001.44; bank deposits, $109.28, . . . 9,123 93 

Gross profit on sale of stocks, ...... 930 00 

Borrowed money, ....... . 2,500 00 

Total income, . . . 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Agency expenses, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, .... 

Furniture and fixtures, . 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 





. $146,673 96 


• 


205,414 17 


. $352,088 13 


. $51,697 59 




1,027 09 


. 


24,620 37 




21,539 46 




179 99 




11,375 80 




730 00 




879 42 




762 28 




321 61 




19 36 




132 00 




531 31 




165 31 




1,010 15 




1,523 92 




418 00 



MERRIMACK MUTUAL FIRE INSURANCE CO. 



57 



Borrowed money repaid, 

Interest on borrowed money, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, ......... 

Ledger Assets. 
Mortgage loans on real estate, ...... 

Loans secured by collateral (17 shares Smith & Dove M'f'g Co., 
Andover), ....... 

Book value of stocks and bonds (schedule A), . 
Cash in office, . . . • 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, . . . 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $1,138.81; bonds, $1,328.33; collateral loans, $6.25; 

other assets, $116.10, . 
Market value of stocks and bonds over book value, . 

Gross assets, .......... 

Assets not admitted. 
Agents' balances over three months due, 

Admitted assets, 

Liabilities. 

Unpaid losses, $6,518.86; less reinsurance, $1,312.34, 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for return premiums, 

Total, 

Surplus to policy holders, 



Total liabilities, including surplus, 

Risks and Premiums. 

Risks. 

In force Dec. 31, 1910, . . $27,963,151 00 



Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



11,471,181 00 

$39,434,332 00 
9,888,746.00 

$29,545,586 00 
5,751,319 00 



Cash Prem's. 

$335,707 98 
147,440 95 

$483,148 93 
132,061 31 

$351,087 62 
66,651 32 



$2,500 00 

20 31 

24 39 

355 26 

$119,833 62 

$232,254 51 

$95,800 00 

1,500 00 
111,947 13 

2,228 65 

5,985 77 

14,792 96 

$232,254 51 



2,589 49 
1,582 87 

$236,426 87 



460 22 
$235,966 65 



$5,206 52 

160,620 62 

2,072 71 

543 51 

804 58 

350 47 

$169,598 41 
66,368 24 

$235,966 65 



Conting't Prem's. 

$335,707 98 
147,440 95 

$483,148 93 
132,061 31 

$351,087 62 



$23,794,267 00 $284,436 30 



58 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



Miscellaneous. 

Net premiums received from organization of company, . . $3,800,007 23 

Net losses from organization of company, .... 1,567,376 42 

Cash dividends paid policy holders from organization of company, 1,377,537 70 

Losses incurred during the year, ...... 53,952 26 

Dividends to policy holders during 1911, 20 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Bank Stocks. Book Value. Rate. Market Value. 

16 shares Andover National, .... $1,600 00 140 $2,240 00 

8 " Merchants Trust Co., Lawrence, . . 1,200 00 150 1,200 00 

Miscellaneous Stocks. 

89 shares American Tel. & Tel. Co., . . . 11,037 13 140 12,460 00 

iifl ii/tyhci t)clL BoTtd^ 

Andover, Mass., 4s, 1919-28, . ' . . . 15,000 00 100 15,000 00 

Railroad Bonds. 

Atchison, Topeka & Santa Fe 1st 4s, 1958, . 9,525 00 93 9,300 00 

Bangor & Aroostook equip. 5s, 1916, . . . 2,000 00 100 2,000 00 

Boston & Albany 4s, 1933, .... 3,075 00 99 2,970 00 

Boston Elevated 4|s, 1937, .... 10,000 00 102 10,200 00 

Chicago & Northwestern 5s, 1929, . . . 4,000 00 107 4,280 00 

Chicago Railways 1st 5s, 1927, .... 3,030 00 100 3,000 00 

Chicago, Wisconsin & Minn. 1st 6s, 1916, . . 5,000 00 105 5,250 00 

Illinois Central 1st (West, lines) 4s, 1951, . . 1,940 00 96 1,920 00 

New York, Chicago & St. Louis 4s, 1931, . . 9,400 00 90 9,000 00 

New York, New Haven & Hartford 4s, 1956, . 9,562 50 93 9,300 00 

Southern Pacific, 1st ref. 4s, 1955, . . . 9,450 00 95 9,500 00 

Worcester Consolidated Street 5s, 1927, . . 2,100 00 107 2,140 00 

Miscellaneous Bonds. 

American Tel. & Tel. Co. 4s, 1929, . . . 11,087 50 90 10,800 00 

Pacific Tel. & Tel. Co. 5s, 1937, . . . 2,940 00 99 2,970 00 

$111,947 13 $113,530 00 



MIDDLESEX MUTUAL FIRE INSURANCE COMPANY, CONCORD. 

Incorporated March 3, 1826. Commenced business March 29, 1826. 
RICHARD F. BARRETT, President. ADAMS TOLMAN, Secretary. 

Income. 

Net premiums, . $183,227 24 

Gross interest on mortgages, $1,855; stocks and bonds, $22,373.41; 

bank deposits, $411.28; all other, $1.25; gross rents, including 

$1,000 for company's own occupancy, $1,886.44, . 
Agents' balances previously charged off, ..... 

Return premiums on reinsurance, . . . . ... 

Massachusetts Real Estate Co. stock previously charged off, 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 
Commissions or brokerage, .... 



26,527 38 

60 00 

2,986 60 

1,000 00 

$213,801 22 
637,751 04 

$851,552 26 



$85,733 24 

1,533 23 

85,522 52 

27,097 78 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



59 



Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, . . # 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross loss on sale or maturity of ledger assets, . 

All other disbursements, ..... 

Total disbursements, ..... 



Balance, 



Ledger Assets. 



Book value of real estate, ..... 

Mortgage loans on real estate, . . 

Book value of stocks and bonds (schedule A), ,. . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest due and accrued on: — 
Mortgages, $833.19; bonds, $5,836.35, 
Rents due and accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 



Gross assets, 

Liabilities. 
Unpaid losses, including $1,000 resisted, . 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for return premiums, 

Total, . . . .. ... 

Surplus to policy holders, 

Total liabilities, including surplus, 



$320 83 

17,015 04 

1,000 00 

1,463 

877 
12 

162 
1,069 

646 

254 
2,193 
1,019 

439 
2,245 

344 
1,512 

642 



85 
44 
50 
70 
33 
57 
57 
71 
37 
05 
21 
00 
50 
80 



$231,106 24 
$620,446 02 



$22,397 80 

32,100 00 

530,883 39 

2,379 76 

10,357 66 

8,579 54 

13,747 87 

$620,446 02 



6,669 54 


453 00 


16,602 20 


622 61 


$644,793 37 


$3,859 52 


336,703 82 


1,974 76 


554 58 


1,017 98 


412 16 


$344,522 82 


300,270 55 


$644,793 37 



60 



MIDDLESEX MUTUAL FIRE INSURANCE CO. 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

$48,966,874 00 
13,821,645 00 



Cash Prem's. 

$718,561 08 
203,653 34 



Contmg't Prem's. 

$718,561 08 
203,653 34 



$62,788,519 00 
13,431,622 00 

$49,356,897 00 
1,615,760 00 

$47,741,137 00 

Miscellaneous. 



$922,214 42 $922,214 42 
203,045 46 203,045 46 



$719,168 96 $719,168 
24,915 90 



$694,253 06 



Net premiums received from organization of company, . . $5,683,399 65 

Net losses paid from organization of company, . . . 2,146,106 43 

Cash dividends paid policy holders from organization of company, 2,403,615 19 
Losses incurred during the year, ...... 87,516 32 

Dividends to policy holders during 1911, 20, 30, 40, 50 and 60 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
57 shares Boston & Albany, 
100 " Fitchburg, 

Bank Stocks. 
33 shares Concord National, 

Miscellaneous Stocks. 
50 shares Massachusetts Real Estate Co., 
300 " Pullman Co., . 

State and Municipal Bonds. 
Belmont, Mass., 3fs, 1912, 
Belmont, Mass., 3Js, 1913-14, 
Concord, Mass., 4s, 1912-13, 
Holyoke, Mass., 4s, 1927, . 
Lynn, Mass., 4s, 1918, 
Maiden, Mass., 4s, 1912, . 
Massachusetts 3s, 1930, 
New Britain, Conn., 4s, 1936-39 
Norwich, Conn., 4s, 1931, . 
Pawtucket, R. I., 4s, 1929, 
Pittsfield, Mass., 3|s, 1915, 
Stamford, Conn., 4s, 1938, 
Woonsocket, R. I., 4s, 1924, 

Railroad Bonds 
Belt R. R. & Stock Yards of Indianapolis 4s, 1939, 
Boston & Albany 4s, 1933, 
Boston & Albany 4s, 1913, 
Boston & Lowell 4s, 1913, 
Boston & Lowell 3Js, 1923, 
Boston & Maine 4|s 1944, 
Boston & Northern Street 4s, 1954, 
Chicago, Burl. & Quincy 4s, 1921, 
Chicago, Burl. & Quincy 3|s, 1949, 
Chicago Jet. Ry & Un. Stk. Yds. Co. 4s, 1940, 
Chicago & Northwestern — Boyer Val. 3|s, 1923, 
Cincinnati, Hamilton & Dayton 5s, 1942, 
Cleveland & Pittsburg 3|s, 1948, 
Cleveland & Pittsburg 3is, 1950, 
Concord & Montreal 4s, 1920, . 
Connecticut & Passumpsic 4s, 1943, 
Erie & Pittsburg 3fs, 1940, 
Hamilton, Ontario, Street 4|s, 1928, 
Jamestown, Franklin & Clearfield 4s, 1959, 
Lake Shore & Michigan Southern 1st 3|s, 1997, 



Book Value. 

$5,757 75 

8,660 00 

3,300 00 

1,000 00 
31,093 64 



5,000 

2,000 

10,950 

6,060 

1,000 

10,137 

11,293 

4,059 

10,450 

4,931 

5,092 

2,022 



00 

00 
00 
00 
00 
50 
75 
20 
00 
25 
00 
50 



9,750 00 

10,050 00 

10,557 50 

15,500 00 

5,006 25 

11,775 00 

4,625 00 

4,034 55 

3,000 00 

14,800 00 

10,225 00 

10,100 00 

21,000 00 

10,575 00 

25,150 00 

26,600 00 

10,400 00 

10,350 00 

4,750 00 

10,912 50 



Rate. 

221 

126 

175 

30 
159 

100 

99 

100 

106 

101 

100 

89 

100 

99 

98 

98 

99 

99 

96 
99 
99 

100 
94 

103 
92 
99 
88 
90 
93 

103 
92 
92 
99 
99 
91 
94 
94 
89 



Market Value. 

$12,597 00 

12,600 00 

5,775 00 

1,500 00 
47,700 00 

2,000 00 
2,970 00 
2,000 00 

10,600 00 
6,060 00 
1,000 00 
8,900 00 

11,000 00 
3,960 00 
9,800 00 
4,900 00 
4,950 00 
1,980 00 

9,600 00 
9,900 00 
9,900 00 

15,000 00 
4,700 00 

10,300 00 
4,600 00 
3,960 00 
3,520 00 

13,500 00 
9,300 00 

10,300 00 

18,400 00 
9,200 00 

24,750 00 

24,750 00 
9,100 00 
9,400 00 
4,700 00 
8,900 00 



MUTUAL FIRE ASSURANCE CO. 



61 



Long Island (North Shore Branch) 5s, 1932, 

Mohawk & Malone 4s, 1991, 

Narragansett Pier 4s, 1916, 

New England 4s, 1945, .... 

New York Central & Hudson River 3Js, 1997, 

New York, New Haven & Hartford 3|s, 1947, 

New York, Ontario & Western 4s, 1992, 

Norwich & Worcester 4s, 1927, . 

Old Colony 4s, 1925, .... 

Providence & Worcester 4s, 1947, 

Republican Valley 6s, 1919, 

St. Paul, Minneapolis & Manitoba 4§s, 1933, 

Sioux City & Pacific 3|s, 1936, . 

Terminal Association of St. Louis 4|s, 1939, 

United Tr. & Elec. Co. of Providence 5s, 1933, 

West End Street 4s, 1915, 

West End Street 4s, 1932, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 



Book Value. 


Rate. 


Market Value. 


$5,762 50 


106 


85,300 00 


11,062 50 


99 


9,900 00 


10,375 00 


99 


9,900 00 


10,107 50 


100 


10,000 00 


4,587 50 


88 


4,400 00 


15,262 50 


82 


12,300 00 


15,325 00 


95 


14,250 00 


10,575 00 


99 


9,900 00 


5,262 50 


99 


4,950 00 


6,060 00 


99 


5,940 00 


3,780 00 


104 


3,744 00 


21,825 00 


106 


21,200 00 


9,650 00 


88 


8,800 00 


13,630 00 


105 


12,600 00 


11,262 50 


105 


10,500 00 


10,162 50 


99 


9,900 00 


5,225 00 


97 


4,850 00 


9,000 00 


90 


9,000 00 


$530,883 39 


$531,506 00 



$20,726 66 
12,007 40 



MUTUAL FIRE ASSURANCE COMPANY, SPRINGFIELD. 

Incorporated Feb. 23, 1827. Commenced business July 23, 1827. 
GEO. B. HOLBROOK, President. HERBERT E. HUIE, Secretary 

Income. 
Net premiums, ......... 

Gross interest on mortgages, $3,377.37; stocks and bonds, $8,384; 
bank deposits, $246.03, .... 

Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . . 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ..... 

Inspections and surveys, 

State taxes on premiums, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Bills receivable, ...... 

Total ledger assets, $247,937 08 



$32,734 06 
242,075 04 


. $274,809 10 


$4,161 73 
107 24 


16,999 21 


4,177 00 


611 67 


115 08 


91 11 


76 96 


11 50 


219 05 


301 47 


$26,872 02 


. $247,937 08 


. $72,550 00 
169,087 11 


119 53 


6,027 87 


152 57 



62 



MUTUAL FIRE ASSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $1,061.24; bonds, $1,199.56, . 
Market value of stocks and bonds over book value, . 

Gross assets, 

Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . . 

Total liabilities, including surplus, 



$2,260 80 
23,926 89 

$274,124 77 



$54,763 71 

749 61 

57 46 

$55,570 78 
218,553 99 

$274,124 77 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $6,320,275 00 
1,307,375 00 



$7,627,650 00 
1,241,125 00 



Cash Prem's. Conting't Prem's. 

$107,588 81 $107,588 81 
22,041 55 22,041 55 



$129,630 36 
•20,745 99 



$129,630 36 
20,745 99 



>,386,525 00 $108,884 37 $108,884 37 



Miscellaneous. 
Losses incurred during the year, . 
Dividends to policy holders during 1911, 90 per cent. 



$4,161 73 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
100 shares Boston & Albany, 

69 " Chicago, Burlington & Quincy, 

20 " Holyoke & Westfield, 
336 " N. Y. Central & Hudson River, 

Bank Stocks. 
25 shares Chapin National, Springfield, 
61 " Chicopee National, Springfield, 
50 " Hadley Falls National, Holyoke, 
50 " National Bank of Commerce, Boston, 
25 " Springfield National, 

Railroad Bonds. 
Boston & Albany 4s, 1913, 
Boston Elevated A\ s, 1937, 
Boston & Maine 4s, 1926, 
Chesapeake & Ohio 5s, 1939, 
Chicago, Burlington & Quincy 3Js, 1949, 
Connecticut River 3|s, 1923, 
Detroit Southern (Ohio So. Div.) 4s, 1941, 
Holyoke Street 5s, 1915, 
Illinois Central, purchased lines, 3jS, 1952, 
Lake Shore & Michigan Southern 4s, 1931, 
Long Island unified 4s, 1949, 
N. Y. Cent. & Hud. R. (Lake Shore col.) 3£s 
N. Y., N. H. & Hartford 4s, 1955, . 
Norfolk & Southern 5s, 1954, . 
Phila., Wilmington & Baltimore 4s, 1932, 
Reading (Jersey Cent, col.) 4s, 1951, . 





Book Value. 


Rate. 


Market Value. 


# 


$14,073 25 


221 


$22,100 00 


m 


8,364 


85 


215 


14,835 00 


, , 


3,740 


00 


255 


5,100 00 




37,750 


92 


109 


36,624 00 




2,875 


00 


107 


2,675 00 


# 


6,100 


00 


185 


11,285 00 


I 


5,050 


00 


145 


7,250 00 


)ston, . 


5,000 


00 


185 


9,250 00 


• 


3,000 


00 


209 . 


5,225 00 




10,650 


00 


99 


9,900 00 




2,030 


00 


102 


2,040 00 




4,000 


00 


96 


3,840 00 




4,040 


00 


. Ill 


4,440 00 




3,805 


00 


88 


3,520 00 




2,030 


00 


94 


1,880 00 




3,300 


00 


70 


2,100 00 




6,300 


00 


102 


6,120 00 




2,801 


25 


86 


2,580 00 




4,512 


50 


93 


4,650 00 




1,900 


00 


93 


1,860 00 


\, 1998 


8,000 


00 


81 


6,480 00 




5,012 


50 


93 


4,650 00 




1,960 


00 


101 


2,020 00 




4,040 


00 


100 


4,000 00 




2,865 


00 


98 


2,940 00 



MUTUAL PROTECTION FIRE INSURANCE CO. 



63 



Book Value. 


Rate. 


Market Value. 


$3,000 00 
3,064 84 
5,312 00 


99 
100 
104 


$2,970 00 
3,000 00 
5,200 00 


2,970 00 
9, . . 1,540 00 


90 
89 


2,700 00 
1,780 00 


$169,087 11 


$193,014 00 



Southern equipment 4^s, 1921, . 
Springfield Street 4s, 1923, 
Woronoco Street 5s, 1920, 

Miscellaneous Bonds 
American Tel. & Tel. Co. 4s, 1929, 
American Writing Paper Co. 5s, 1919, 



MUTUAL PROTECTION FIRE INSURANCE COMPANY, 

CHARLESTOWN. 

Incorporated April 10, 1861. Commenced business July 15, 1864. 
GEO. H. PENDERGAST, President. FRANK V. NO YES, Secretary. 

Office, Thompson Square. 

Income. 

Net premiums, $47,637 82 

Gross interest on mortgages, $1,620.53; stocks and bonds, 

$3,798.25; bank deposits, $651.77, 
Dividends and return premiums on reinsurance, 
Dividend, National Bank of Republic, in liquidation, 
Sale of rights, 
From all other sources, . 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Agency expenses, .... 

Salaries, fees, etc., of officers and employees 
Rents, ...... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, .... 

Furniture and fixtures, . 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Interest on borrowed money, ..... 

All other disbursements, ..... 

Total disbursements, -. . - . 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 



. 


6,070 55 


. 


1,627 49 


. 


160 00 




671 98 


• 


250 00 




. $56,417 84 


• 


147,390 31 


• 


. $203,808 15 




$18,920 22 




560 83 




12,942 31 




8,460 73 




65 68 




9,255 25 




1,050 00 




476 39 




487 94 




18 02 




412 65 




274 10 




197 24 




208 23 




418 58 




550 49 




195 25 




1,443 75 




320 35 




$56,258 01 




$147,550 14 




$29,250 00 




92,260 29 



64 



MUTUAL PROTECTION FIRE INSURANCE CO. 



Cash in office, $213 50 

Deposits in trust companies and banks on interest, . . . 20,664 42 

Agents' balances, ......... 5,161 93 

Total ledger assets, $147,550 14 

Non-Ledgek Assets. 
Interest due and accrued on : — 
Mortgages, $428.10; bonds, $615.15, ..... 1,043 25 

Furniture, fixtures and safes, ....... 2,500 00 

Supplies, printed matter and stationery, ..... 500 00 

Gross assets, $151,593 39 

Assets not admitted. 

Supplies, printed matter and stationery, . . . $500 00 

Furniture, fixtures and safes, ..... 2,500 00 

Agents' balances over three months due, . . . 342 39 

Book value of stocks and bonds over market value, . 2,643 29 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $450 resisted, $4,287.38; less reinsur- 
ance, $113.91, 

Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Borrowed money, ...... 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 

Risks and Premiums. 



5,985 68 
$145,607 71 



$4,173 47 
63,866 90 
116 88 
566 90 
282 30 
305 67 
33,000 00 

$102,312 12 
43,295 59 

$145,607 71 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$8,926,297 00 
4,010,511 00 

$12,936,808 00 
3,375,671 00 

$9,561,137 00 
1,162,226 00 



Cash Prem's. 

$145,734 95 

55,871 18 

$201,606 13 
54,837 02 

$146,769 11 
17,089 02 



Conting't Prem's. 

$145,734 95 
55,871 18 

$201,606 13 
54,837 02 

$146,769 11 



^,398,911 00 $129,680 09 



Miscellaneous. 

Net premiums received since 1878, . 

Net losses paid since 1878, ....... 

Cash dividends paid policy holders since 1878, .... 

Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 20, 40-25 and 60-25 per 



$605,922 38 

210,343 14 

178,439 60 

21,698 34 

cent. 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



65 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
5 shares Atch., Topeka & Santa F6, pref., 



25 

17 

232 



New York Central & Hudson River, 
New York, New Haven & Hartford, 
Pennsylvania, .... 

Miscellaneous Stocks. 
63 shares American Tel. & Tel. Co., 
37 " Charlestown Gas & Electric Co., 

State and Municipal Bonds. 
Maiden, Mass., 4s, 1914, . 
Massachusetts 3|s, 1931, . 
Massachusetts 3s, 1941, 
Middletown, Conn., 3§s, 1925, 
New York, N. Y., 4s, 1956, 
Providence, R. I., 3s, 1930, 
Springfield, Mass., 3|s, 1920, 
Waterbury, Conn., 3£s, 1926, 

Railroad Bonds. 
New York, New Haven & Hartford 6s, 1948, 
New York, New Haven & Hartford 3 is, 1954, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



Book Value. 


Rate. 


Market Value. 


$255 


00 


104 


.$520 


00 


3,173 


13 


109 


2,725 


00 


3,219 


00 


137 


2,329 


00 


15,089 


38 


123 


14,268 


00 


8,735 


00 


140 


8,820 


00 


2,833 


00 


242 


4,477 


00 


5,068 


75 


100 


5,000 


00 


10,168 


00 


95 


9,500 


00 


6,326 


25 


85 


5,950 


00 


7,710 


00 


94 


7,520 


00 


3,825 


00 


99 


3,960 


00 


13,612 


50 


89 


13,350 


00 


988 


75 


97 


970 


00 


962 


50 


94 


940 


00 


400 


00 


132 


528 


00 


2,915 


83 


82 


2,460 


00 


6,978 


20 


90 


6,300 


00 


$92,260 29 


$89,617 


00 



NEWBURYPORT MUTUAL FIRE INSURANCE COMPANY, 

NEWBURYPORT. 

Incorporated Feb. 10, 1829. Commenced business May 1, 1829. 
WILLIAM R. JOHNSON, President. EDWARD OSGOOD, Secretary 

Income. 
Net premiums, ........ 

Gross interest on mortgages, $45; stocks and bonds, $1,970.25; 

bank deposits, $207.34, 
Gross profit on sale of bonds, 



$3,449 10 



Policy fees, 

Sale of rights, 

From all other sources, . 

Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ...... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, . 

State taxes on premiums, 

Gross loss on sale of bonds, 

Gross decrease in book value of stocks, 

All other disbursements, 

Total disbursements, 

Balance, .... 



2,222 59 
120 00 
118 05 
51 60 
37 50 



$5,998 84 


45,599 82 


$51,598 66 


$227 50 


4 00 


3,367 35 


706 00 


200 00 


16 73 


6 56 


5 00 


27 98 


50 00 


745 43 


47 49 


$5,404 04 



$46,194 62 



66 



NEWBURYPORT MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 

Total ledger assets, . . . 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $7.92; bonds, $435.82, . . . . 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Liabilities. 
Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Rents due or accrued, . . . . . , . 
Federal, state and other taxes, due or accrued, . 

Total, ........ 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



$900 00 

39,721 00 

26 60 

82 10 

5,464 92 

$46,194 62 



443 74 
2,357 00 


$48,995 36 

$6,319 62 

27 00 

50 00 

20 


$6,396 82 
42,598 54 



In r force Dec. 31, 1910, . 
Written during the year, 

w > Total, . m . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

$830,760 00 
226,000 00 



Cash Prem's. 

$12,665 65 
3,490 00 



$1,056,760 00 
227,425 00 

$829,335 00 



$16,155 65 
3,503 87 



$48,995 36 



Conting't Prem's. 

$50,662 60 
13,960 00 

$64,622 60 
14,015 48 



$12,651 78 $50,607 12 



Miscellaneous. 
Losses incurred during the year, .... 
Dividends to policy holders during 1911, 100 per cent. 



$227 50 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
10 shares Atch., Topeka & Santa Fe, common, 

1 share Atch., Topeka & Santa Fe, preferred, 
24 shares Boston & Maine, 

5 " Chicago Jet. & Union Stk. Yds. pref., 
14 " Chic, Milwaukee & St. Paul, pref., 

4 " Chic, Milwaukee & St. Paul, com., 
13 " N. Y. Central & Hudson River, 

Bank Stocks. 
100 shares Merchants National, Newburyport, 
31 ',' Ocean National, Newburyport, . 
4 " State National, Boston, 

Miscellaneous Stocks. 

9 shares American Tel. & Tel. Co., 

4 " Michigan State Telephone, pref., 
21 " Riverbank Court Securities Co., 
10 " United States Rubber Co. 1st pref., 



Book Value. 


Rate. 


Market Value. 


$800 00 


107 


$1,070 00 


100 


00 


104 


104 00 


2,400 


00 


101 


2,424 00 


625 


00 


108 


540 00 


1,850 


00 


145 


2,030 00 


400 


00 


. 109 


436 00 


1,300 


00 


109 


1,417 00 


2,000 


00 


165 


3,300 00 


1,550 


00 


134 


2,077 00 


420 


00 


178 


712 00 


900 


00 


140 


1,260 00 


300 


00 


99 


396 00 


2,000 


00 


85 


1,785 00 


500 


00 


111 


1,110 00 



NORFOLK MUTUAL FIRE INSURANCE CO. 



67 



10 shares Western Union Telegraph Co., . 
10 " Westinghouse Elec. & Mfg. Co., pref., 
9 " Westinghouse Elec. & Mfg. Co., com.,. 

Municipal Bonds. 
Newport News, Va., 4s, 1941, .... 

Railroad Bonds. 
Bangor & Aroostock cons, refunding 4s, 1951, 
Bangor & Aroostook (St. Johns Div.) 5s, 1939, 
Boston & Northern Street 1st 4s, 1954, 
Chicago, Burlington & Quincy gen. 4s, 1958, 
Wabash equipment 4^s, 1916, . 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Michigan State Telephone Co. 5s, 1924, 
Minneapolis General Electric Co. 5s, 1934, . 
New England Cotton Yarn Co. 5s, 1929, . 
Western Tel. & Tel. Co. 5s, 1932, 
Westinghouse Electric Co. 5s, 1931, . 



Book Value. 


Rate. 


Market Value. 


$1,000 


00 


79 


$790 


00 


750 


00 


118 


590 


00 


450 


00 


66 


297 


00 


2,000 


00 


94 


1,880 


00 


1,730 


00 


81 


1,620 


00 


3,000 


00 


98 


2,940 


00 


1,860 


00 


92 


1,840 


00 


2,000 


00 


97 


1,940 


00 


961 


00 


97 


970 


00 


2,875 


00 


90 


2,700 


00 


1,000 


00 


100 


1,000 


00 


1,000 


00 


100 


1,000 


00 


1,000 


00 


99 


990 


00 


3,000 


00 


100 


3,000 


00 


1,950 


00 


93 


1,860 


00 


$39,721 


00 


$42,078 00 



NORFOLK MUTUAL FIRE INSURANCE COMPANY, DEDHAM. 

Incorporated Feb. 12, 1825. Commenced business July 1, 1825. 
JAMES Y. NOYES, President. THEODORE T. MARSH, Secretary. 

Income. 

Net premiums, . . . . . . . 

Gross interest on mortgages, $1,095.50; stocks and bonds, 
$25,621.94; bank deposits, $496.96; gross rents, including 
$375 for company's own occupancy, $1,300, .... 



$82,692 24 



28,514 40 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . . 

Commissions or brokerage, . . ■ . 

Agency expenses, ....... 

Salaries, fees, etc., of officers and employees, 

Rents, including $375 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, ...... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Gross loss on sale of bonds, . • 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, . . . . . . 





$111,206 64 


• 


642,131 13 


• 


$753,337 77 




$25,473 29 




555 40 




49,643 99 




12,405 11 




40 54 




7,941 53 




425 00 




784 76 




316 66 




301 35 




168 65 




315 96 




185 64 




716 18 




238 38 




834 47 




704 17 




321 88 




$101,372 96 




. $651,964 81 



68 



NORFOLK MUTUAL FIRE INSURANCE CO. 



Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest due and accrued on: — 
Mortgages, $372.41; bonds, $6,711.01, 
Rents due on company's property, .... 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Book value of real estate over market value, 

Admitted assets, 



Liabilities. 

Unpaid losses, ..... 
Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for return premiums, 

Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 



$17,569 16 


19,350 00 


585,153 93 


169 50 


2,158 29 


24,128 60 


3,435 33 


$651,964 81 


7,083 42 


262 50 


23,053 07 


$682,363 80 


69 16 


$682,294 64 


$113 98 


186,123 59 


1,585 81 


300 00 


223 03 


524 03 



$188,870 44 
493,424 20 

$682,294 64 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $26,607,508 00 
5,927,895 00 



$32,535,403 00 
5,793,746 00 



Cash Prem's. 

$377,889 98 
85,350 16 



$463,240 14 
84,498 41 



Conting't Prem's. 

$377,889 98 
85,350 16 

$463,240 14 
84,498 41 



$26,741,657 00 $378,741 73 $378,741 73 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 25, 50 and 70 per cent. 



$3,473,874 44 

1,235,060 54 

1,710,366 04 

25,425 94 



NOKFOLK MUTUAL FIRE INSURANCE CO. 



69 



Railroad Stocks. 
100 shares Atch., Topeka & Santa Fe, com., 
213 " Atch., Topeka & Santa Fe, preferred, 
125 " Boston & Albany, 

75 " Boston & Lowell, 

20 " Boston & Providence, 
100 " Old Colony, . 

60 " Union Pacific, preferred, 

Miscellaneous Stocks. 
80 shares Dedham Water Co., 
Municipal Bonds. 
Boston, Mass., 4s, 1921, . 
Boston, Mass., 4s, 1923, . 
Chelsea, Mass., 4s, 1938, . 
Chicago, 111., 4s, 1922, 
Fall River, Mass., 4s, 1929, 
Lawrence, Mass., 4s, 1917, 
Lynn, Mass., 4s, 1926, 
Lvnn, Mass., 4s, 1929, 
Newton, Mass., 4s, 1915-20, 
Newton, Mass., 4s, 1924-28, 
New York, N. Y., 4Js, 1957, 
North Andover, Mass., 4s, 1923, 
Salem, Mass., 4s, 1914, 
Taunton, Mass., 4s, 1914, . 
Taunton, Mass., 4s, 1928, . 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
Boston & Albany 3fs, 1952, 
Boston & Albany 4s, 1933, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4s, 1942, 
Boston & Maine 4fs, 1944, 
Boston & Providence 4s, 1918, 
Boston, Revere Beach & Lynn 4^s, 1927, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, . 
Chic, Milwaukee & St. Paul general 4s, 1989, 
Concord & Montreal 1st 4s, 1920, 
Connecticut & Passumpsic Rivers 4s, 1943, 
Delaware & Hudson 1st and ref. 4s, 1943, . 
Dexter & Newport 4s, 1917, 

Fitchburg 4s, 1915, 

Fitchburg 4s, 1927, 

Fremont, Elkhorn & Missouri Valley 6s, 1933, 

Illinois Central (St. Louis Div.) 3Js, 1951, 

Maine Central 5s, 1923, .... 

Minneapolis, St. P., & S. St. Marie 1st 4s, 1941, 

N. Y. C. & Hud. R. (Lake Shore col.) 3|s, 1998, 

New York, New Haven & Hartford 4s, 1947, 

No. Pac.-Gt. No. (C. B. & Q. col.) 4s, 1921, 

Norwich & Worcester 4s, 1927, 

Old Colony 4s, 1925, 

Old Colony 4s, 1938, 

Old Colony 3|s, 1932, 

Oregon Short Line 6s, 1922, 

Portland & Rumford Falls 4s, 1926, 

Rock Island & Frisco Terminal 1st 5s, 1927, 

Union Pacific 1st 4s, 1947, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 



3 OWNED BY THE 


Company. 


Book Value. 


Rate. 


Market Value. 


$9,418 75 


107 


$10,700 00 


4,678 


20 


104 


22,152 00 


22,494 


24 


221 


27,625 00 


10,818 


25 


220 


16,500 00 


4,070 


50 


300 


6,000 00 


17,071 


74 


187 


18,700 00 


2,670 


00 


93 


5,580 00 


8,000 


00 


108 


8,640 00 


13,478 


75 


100 


13,000 00 


2,235 


00 


101 


2,020 00 


11,937 


50 


100 


10,000 00 


5,056 


25 


100 


5,000 00 


2,317 


50 


102 


2,040 00 


5,600 


00 


101 


5,050 00 


11,482 


50 


101 


11,110 00 


9,113 


75 


102 


8,160 00 


3,368 


75 


100 


3,000 00 


13,562 


50 


101 


12,120 00 


10,262 


50 


108 


10,800 00 


5,631 


25 


101 


6,060 00 


5,403 


50 


100 


5,000 00 


4,350 


00 


100 


4,000 00 


6,855 


00 


101 


6,060 00 


17,550 


00 


99 


22,275 00 


5,160 


00 


91 


10,920 00 


20,562 


50 


88 


17,600 00 


4,950 


00 


99 


4,950 00 


10,200 


00 


98 


9,800 00 


14,881 


25 


95 


13,300 00 


23,725 


00 


103 


20,600 00 


20,450 


00 


99 


19,800 00 


10,800 


00 


103 


10,300 00 


10,125 


00 


100 


10,000 00 


9,975 


00 


99 


9,900 00 


10,200 


00 


99 


9,900 00 


5,037 


50 


99 


4,950 00 


7,880 


00 


99 


7,920 00 


6,210 


00 


98 


5,880 00 


5,312 


50 


99 


4,950 00 


22,447 


50 


98 


19,600 00 


5,441 


25 


127 


6,350 00 


4,925 


00 


86 


4,300 00 


5,412 


50 


107 


5,350 00 


9,600 


00 


97 


9,700 00 


8,625 


00 


81 


8,100 00 


17,450 


00 


93 


17,670 00 


22,000 


00 


97 


21,340 00 


21,450 


00 


99 


19,800 00 


19,118 


75 


99 


18,810 00 


17,386 


25 


99 


16,830 00 


5,150 


00 


92 


4,600 00 


10,100 


00 


114 


11,400 00 


10,000 


00 


97 


9,700 00 


15,750 


00 


101 


15,150 00 


4,050 


00 


101 


4,545 00 


13,352 


50 


90 


12,600 00 


$585,153 


93 


$608,207 00 



70 



PAPER MILL MUTUAL INSURANCE CO. 



PAPER MILL MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated November, 1886. Commenced business April 1, 1887. 
R. W. TOPPAN, President. D. W. LANE, Secretary 

Office, 81 Milk Street. 

Income. 
Net premiums, ........ 

Gross interest on bonds, $8,496.32; bank deposits, $459.42, 



Total income, 
Ledger assets, Dec. 31, 1910, .... 

I oral, • • • . « • • 

Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, .... 

Salaries, fees, etc., of officers and employees, 

Rents, . . 

Printing and stationery, . 

Postage, telegrams, telephone and express, 

Furniture and fixtures, ..... 

Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust 
ment of losses, ........ 

State taxes on premiums, ...... 

Insurance department licenses and fees, .... 

Other licenses, fees and taxes, 

Gross decrease in book value of bonds, . 

All other disbursements, ...... 

Total disbursements, ...... 

Balance, ........ 

Ledger Assets. 

Book value of bonds (schedule A), . . 

Cash in office, 

Deposits in trust companies and banks on interest, . 

Premiums in course of collection, ..... 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, .... 

Gross assets, . 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, . . . 



$204,920 78 
8,955 74 



. $213,876 52 


. 223,610 49 


. $437,487 01 


$4,984 14 


178,132 70 


8,649 00 


480 00 


365 82 


164 21 


19 00 


55 05 


3,843 76 


2,077 92 


109 00 


1,019 82 


406 25 


203 15 


. $200,509 82 


. $236,977 19 


. $209,916 20 


3 10 


23,854 43 


3,203 46 


. $236,977 19 


2,665 34 


. $239,642 53 


1,436 20 



$238,206 33 



PAPER MILL MUTUAL INSURANCE CO. 



71 



Liabilities. 

Unpaid losses, . . . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. 

. $29,091,324 00 $216,334 81 

. 29,194,310 00 212,018 28 



$300 00 

117,414 70 

51 85 

1,300 96 

$119,067 51 

119,138 82 

$238,206 33 



Conting't Prem's. 

$1,081,674 05 
1,060,091 40 



$58,285,634 00 
27,422,668 00 



$428,353 09 $2,141,765 45 
200,588 86 1,002,944 30 



$30,862,966 00 $227,764 23 $1,138,821 15 



Miscellaneous. 
Net premiums received from organization of company, . . $2,313,354 94 
Net losses paid from organization of company, . . . 167,505 87 

Cash dividends paid policy holders from organization of company, 1,819,857 71 

Losses incurred during the year, 4,834 14 

Dividends to policy holders during 1911, 92.06 per cent. 

Schedule A. Bonds owned by the Company. 

Municipal Bonds. 
Boston, Mass., 3Js, 1932-33, 
Newton, Mass., 4s, 1922, . 
New York, N. Y., 4*s, 1957, 
New York, N. Y., 4|s, 1960, 

Railroad Bonds. 
Boston & Albany 4s, 1913, 
Boston Elevated 4s, 1935, 
Boston & Lowell 4s, 1916, 
Boston & Maine 4Js, 1944, 
Boston & Maine 4s, 1926, 
Chicago, Burl. & Quincy (111. Div.) 4s, 1949, 
Chicago, Burl. & Quincy general 4s, 1958, . 
Chicago Jet. & Union Stock Yards 4s, 1940, 
Chicago & Northwestern 5s, 1921, 
Cincinnati, Sandusky & Cleveland 5s, 1928, 
Concord & Montreal cons. 1st m. 4s, 1920, 
Delaware & Hudson 4s, 1943, 

Fitchburg 4s, 1927, 

Maine Central 5s, 1923, .... 

Mohawk & Malone 4s, 1991, 

N. Y. C. & H. R. (Lake Shore col.) 3£s, 1998, 

New York Central equipment 5s, 1919, 

N. Y., N. H. & H. (Pt. Chester Div.) 4s, 1954, 

Pennsylvania 5s, 1919, .... 

Pennsylvania 4s, 1948, 

St. Paul, Minneapolis & Manitoba 4s, 1933, 

West End Street 4s, 1915, 

West End Street 4s, 1932, ... 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, 
Mass. Gas Cos. 4Js, 1929, .... 
New York Telephone Co. 4£s, 1939, . , . 
Western Electric Co. 5s, 1922, . 



Book Value. 


Rate. 


Market Value. 


$15,000 00 


94 


$14,100 00 


5,000 00 


101 


5,050 00 


5,000 00 


108 


5,400 00 


5,000 00 


103 


5,150 00 


10,000 00 


99 


9,900 00 


20,000 00 


95 


19,000 00 


5,000 00 


99 


4,950 00 


5,000 00 


103 


5,150 00 


4,825 00 


96 


4,800 00 


4,837 50 


100 


5,000 00 


9,875 00 


97 


9,700 00 


4,950 00 


90 


4,500 00 


5,000 00 


105 


5,250 00 


5,000 00 


107 


5,350 00 


5,000 00 


99 


4,950 00 


10,000 00 


99 


9,900 00 


5,000 00 


98 


4,900 00 


5,000 00 


107 


5,350 00 


5,000 00 


99 


4,950 00 


4,993 75 


81 


4,050 00 


4,993 75 


103 


5,150 00 


5,000 00 


99 


4,950 00 


5,000 00 


108 


5,400 00 


1,923 08 


104 


2,080 00 


9,800 00 


99 


9,900 0O 


5,000 00 


99 


4,950 0O 


. . 14,843 75 


97 


14,550 0O 


9,106 25 


90 


9,000 00 


4,987 50 


99 


4,950 00 


4,811 87 


101 


5,050 00- 


4,968 75 


102 


5,100 00 


$209,916 20 


$208,480 00 



72 



QUINCY MUTUAL FIEE INSURANCE CO. 



QUINCY MUTUAL FIRE INSURANCE COMPANY, QUINCY. 

Incorporated March 22, 1851. Commenced business May, 1851. 
CHARLES A. HOWLAND, President. JAMES F. YOUNG, Secretary. 

Income. 

Net premiums, $170,110 68 

Gross interest on mortgages, $3,648.30; collaterals, $5,290.49; 
stocks and bonds, $22,863.91; bank deposits, $578.45; all 
other, $5; gross rents, including $1,000 for company's own 

occupancy, $1,808.16, ' 34,194 31 

Gross profit on sale of real estate, 269 10 

From all other sources, 120 60 

Total income, . ... 

Ledger assets, Dec. 31, 1910, .... 



Total, 



Disbursements. 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, .... 

Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, . . . . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Gross loss on sale of stocks, .... 

All other disbursements, .... 

Total disbursements, .... 



Balance, ...... 

Ledger Assets. 

Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 





. $204,694 69 


• 


. 750,906 74 


- 


. $955,601 43 




. $78,357 23 


. 


1,287 80 


. . 


66,995 15 


. 


25,750 92 


. 


15,908 26 


. . 


1,000 00 


# # 


1,320 32 


# . 


914 72 


, m 


44 85 


. . 


1,153 60 


# . 


670 21 


Lxes, . 


234 94 


m t 


590 90 


# # 


759 81 




324 93 


' m % 


2,209 90 


m # 


484 00 


. 


279 25 


• 


623 45 


• 


. . $198,910 24 


• 


. $756,691 19 




$9,256 00 




83,583 20 




113,000 00 




505,932 86 




424 50 




30,839 44 




13,655 19 



$756,691 19 



QUINCY MUTUAL FIEE INSURANCE CO. 



73 



Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $954.21; bonds, $6,009.86; collateral loans, $460.12 

other assets, $51.48, ....... 

Rents due on company's property, ..... 

Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 

Gross assets, . 

Assets not admitted. 

Agents' balances over three months due, . . . $2,540 45 
Town of Framingham, 4 per cent, note, 1909, disal- 



$7,475 67 

32 00 

2,744 00 

64,825 14 

$831,768 00 



lowed and interest on same, 
Admitted assets, . 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . 

Total liabilities, including surplus, 



27,208 32 29,748 77 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

. $36,503,560 00 
. 11,721,816 00 



Cash Prem's. 

$548,738 68 
179,169 56 



$802,019 23 



$1,800 00 

285,838 86 

1,282 30 

253 00 

682 91 

$289,857 07 
512,162 16 

$802,019 23 



Conting't Prem's. 

$548,738 68 
179,169 56 



,225,376 00 
10,669,307 00 



$727,908 24 $727,908 24 
164,560 22 164,560 22 



$37,556,069 00 $563,348 02 $563,348 02 



Miscellaneous. 

Net premiums received from organization of company, . . $6,987,541 55 

Net losses paid from organization of company, . . . 2,898,368 56 

Cash dividends paid policy holders from organization of company, 2,465,775 88 
Losses incurred during the year, . . . . . . 78,714 84 

Dividends to policy holders during 1911, 20, 40 and 60 per cent. 



Schedule A. Securities held as Collateral. 



.250 shares Quincy Elec. Lt. & Power Co., 
125 " Lawrence Duck Co., 
41 " Granite National Bank, 
103 " Granite National Bank, 
Mortgage note of G. W. Hollis, 
Mortgage note of J. E. McDonald, 



Company's 
Market Value. 
$45,000 00 
12,500 001 
7,175 00/ 
18,025 00 
39,000 001 
9,000 00/ 



Loaned 
Thereon. 

$25,000 00 
15,000 00 
10,000 00 
25,000 00 



74 



QUINCY MUTUAL FIRE INSURANCE CO. 



70 shares Wachusett National Bank, 
Dallas Cotton Mills 6s, 1926, . 

50 shares King Coal Co., 
100 " North Packing & Provision Co. 
240 " Swift & Co., . 

24 " N. E. Tel. & Tel. Co., 



Company's 
Market Value. 

$7,000 00 -i 
6,000 00/ 
5,000 00 1 

10,400 00/ 

24,240 00 
3,648 00 



Loaned 
Thereon. 

$8,000 00 

7,500 00 

20,000 00 
2,500 00 



$186,988 00 $113,000 00 



Schedule B. Stocks and Bonds owned by the 



Railroad Stocks. 

11 shares Old Colony 

Bank Stocks. 
100 shares Brockton National, . 
250 " Commonwealth Trust Co., Boston, 

32 " First National, So. Weymouth, . 

48 " Granite National, Quincy, 

40 " Merchants National, Boston, 
335 " Mt. Wollaston National, Quincy, 

88 " National Rockland, Boston, 

20 " OJd Colony National, Plymouth, 

29 " Plymouth National, . 

50 " Rockland Trust Co., 

87 " Second National, Boston, . 

60 " State National, Boston, 

85 " State Street Trust Co., Boston, . 

50 " Wachusett National, Fitchburg, 
Miscellaneous Stocks. 
200 shares Lawrence Duck Co., 

32 " Michigan State Telephone Co., . 
State and Municipal Bonds. 
Framingham, Mass., note, 
Massachusetts 3s, 1930, .... 
Providence, R. I., 3s, 1930, 

Railroad Bonds. 
Baltimore & Ohio 4fs, 1913, 
Granite Railway note, 5s, 1912, 
Nor. Pac.-Gt. Nor. (C, B. & Q., col.) 4s, 1921, 
Oregon Short Line ref. 4s, 1929, 
Peoria Railway Terminal 1st 4s, 1937, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, 
California Gas & Electric Corp. 5s, 1937, 
Central Union Telephone Co. 6s, 1916, 
Consumers Power Co. 1st ref. 5s, 1936, 
Lawrence Duck Co. notes, 5§s, 1912, . 
Lawrence Duck Co. notes, 5s, 1912, . 
Michigan State Telephone Co. 1st 5s, 1924, 
Minneapolis General Electric Co. 5s, 1934, 
New York Telephone Co. 1st gen. 4£s, 1939, 
Pacific Coast Power Co. 1st 5s, 1940, 
Pacific Tel. & Tel. Co. 5s, 1937, 
Quincy Elec. Lt. & Power Co. 4Js, 1921, 
Quincy Elec. Lt. & Power Co. note, 5s, 1912, 
Seattle Electric Co. 5s, 1929, 
Tacoma Gas Light Co. 5s, 1926, 
Western Electric Co. 1st 5s, 1922, 
Western Tel. & Tel. Co. notes, 5s, 1912, 



Book Value. 

$1,100 00 

10,000 00 

37,500 00 

3,538 75 

6,295 75 

6,040 00 

41,240 75 

12,056 00 

2,300 00 

3,433 00 
6,000 

15,056 
8,792 

12,050 

10,000 



Company. 

Rate. Market Value. 
187 $2,057 00 



00 
00 
88 
00 
00 



20,000 00 
1,605 00 

25,000 00 
48,187 50 
19,050 00 

4,950 00 
10,000 00 
24,033 48 

9,487 50 
11,900 00 

23,268 75 

4,775 00 

5,250 00 

9,600 00 

10,000 00 

5,000 00 

10,000 00 

17,012 50 

9,725 00 

4,750 00 

9,625 00 

5,100 00 

10,000 00 

10,000 00 

5,250 00 

7,010 00 

9,950 00 

$505,932 86 



155 
200 
95 
175 
283 
120 
171 
120 
120 
130 
270 
178 
275 
100 

100 
99 

100 
89 
89 

100 

100 

97 

94 

83 

90 

94 

104 

96 

100 

100 

100 

100 

101 

98 

99 

103 

100 

98 

89 

102 

100 



15,500 00 

50.000 00 

3,040 00 

8,400 00 

11,320 00 

40,200 00 

15,048 00 

2,400 00 

3,480 00 

6,500 00 

23,490 00 

10,680 00 

23,375 00 

5,000 00 

20,000 00 
3,168 00 

25,000 00 
44,500 00 
17,800 00 

5,000 00 

10,000 00 

46,560 00 

9,400 00 

11,620 00 

22,500 00 
4,700 00 
5,200 00 
9,600 00 

10,000 00 
5,000 00 

10,000 00 

17,000 00 

10,100 00 
4,900 00 
9,900 00 
5,150 00 

10,000 00 
9,800 00 
6,230 00 
7,140 00 

10,000 00 

$570,758 00 



RUBBER MANUFACTURERS' MUTUAL INSURANCE CO. 75 



RUBBER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

BOSTON. 

Incorporated Nov. 4, 1884. Commenced business Jan. 15, 1885. 
ARTHUR H. LOWE, President. BENJAMIN TAFT, Secretary. 

Office, 31 Milk Street. 

Income. 
Net premiums, ......... $443,506 25 

Gross interest on bonds, $18,053.89; bank deposits, $1,248.36, . 19,302 25 
Gross profit on sale of bonds, .......' 1,003 40 



Total income, . $463,811 90 

Ledger assets, Dec. 31, 1910, 462,733 18 

Total, $926,545 08 

Disbursements. 

Net amount paid policy holders for losses, .... 

Dividends to policy holders, . . . . . . . . 

Salaries, fees, etc., of officers and employees, . . . 
Rents, ........... 

Advertising, printing and stationery, ..... 

Postage, telegrams, telephone and express, .... 

Underwriters' boards and tariff associations, .... 

Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust- 
ment of losses, ......... 

State taxes on premiums, ....... 

Insurance department licenses and fees, ..... 

Other licenses, fees and taxes, ...... 

Gross loss on sale of bonds, . . . 

Gross decrease in book value of bonds, ..... 

All other disbursements, . . 



Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 

Gross assets, ...... 

Assets not admitted. 
Book value of bonds over market value, . 

Admitted assets, ... 



$15,719 63 


399,917 11 


12,724 97 


1,198 80 


1,237 67 


713 7d 


69 93 


11 91 


12,926 74 


5,002 66 


186 00 


1,909 80 


365 00 


180 00 


1,502 24 


$453,666 22 


$472,878 86 


$432,588 10 


161 30 


19,074 34 


21,055 12 


$472,878 86 


6,614 14 


$479,493 00 


5,978 10 


$473,514 90 



76 



RUBBER MANUFACTURERS' MUTUAL INSURANCE CO. 



Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . 

Total liabilities, including surplus, 



$1,120 08 

229,557 44 

373 49 

4,108 31 

$235,159 32 
238,355 58 

$473,514 90 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

. $53,862,581 00 $464,982 88 $2,324,914 40 

. 54,967,831 00 468,026 79 2,340,133 95 



$108,830,412 00 
56,013,717 00 



$933,009 67 $4,665,048 35 
479,012 85 2,395,064 25 



$52,816,695 00 $453,996 82 $2,269,984 10 



Miscellaneous. 

Net premiums received from organization of company, . . ', 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 88 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. Book Value. Rate. 

Fall River, Mass., 3js, 1915, .... $15,000 00 100 

Massachusetts 3|s, 1940, 38,675 60 94 

Railroad Bonds. 

Atchison, Topeka & Santa Fe 4s, 1928, . . 9,820 00 96 

Aurora, Elgin & Chicago 5s, 1946, . . . 4,750 00 95 

Bangor & Aroostook consolidated 4s, 1951, . 4,250 00 81 

Boston Elevated 4s, 1935, .... 6,000 00 95 

Boston & Lowell 3£s, 1919 14,000 00 95 

Boston & Maine 4s, 1926, .... 9,643 75 96 

Boston & New York Air Line 4s, 1955, . . 3,000 00 99 

Central Branch 4s, 1919, 4,712 50 92 

Chicago & Eastern Illinois equip. 4£s, 1914, . 4,937 50 99 

Chicago, Rock Island & Pacific 4|s, 1915, . . 3,000 00 99 

El Paso & Rock Island 5s, 1951, . , . 5,000 00 102 

Fitchburg 4s, 1927-28, 20,000 00 98 

Florida East Coast 4|s, 1959, .... 4,812 50 97 

Lake Shore & Michigan Southern 4s, 1928, . 2,970 00 94 

Lake Shore & Michigan Southern 4s, 1931, . 14,790 00 93 

Maine Central 4|s, 1916, 16,000 00 101 

Maryland, Delaware & Virginia 5s, 1955, . . 10,000 00 99 

Missouri Pacific 5s, 1914 9,850 00 100 

N. Y. C. & H. R. (Lake Shore col.) 3§s, 1998, . 12,000 00 81 

New York, Chicago & St. Louis 4s, 1931, . . 9,262 50 . 90 

New York, New Haven & Hartford 4s, 1955, . 20,000 00 93 

New York, New Haven & Hartford 4s, 1914, . 980 00 100 

New York, Ontario & Western 5s, 1915, . . 5,000 00 102 

Northern Maine Seaport 5s, 1935, . . . 15,000 00 105 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, . 25,910 00 97 

Richmond- Washington 4s, 1943, . . . 9,000 00 97 

Rock Island, Arkansas & Louisiana 4|s, 1934, . 4,693 75 93 

St. Louis Merchants Bridge Terminal 5s, 1930, . 25,000 00 108 

West End Street 4s, 1917, .... 4,993 75 99 

Worcester & Holden Street 5s, 1923, . . . 4,000 00 100 



£7,304,162 07 

1,198,653 59 

4,878,650 98 

14,090 25 



Market Value. 

$15,000 00 

37,600 00 

9,600 00 
4,750 00 
4,050 00 
5,700 00 

13,300 00 
9,600 00 
2,970 00 
4,600 00 
4,950 00 
2,970 00 
5,100 00 

19,600 00 
4,850 00 
2,820 00 

15,810 00 

16,160 00 
9,900 00 

10,000 00 

12,150 00 
9,000 00 

18,600 00 
1,000 00 
5,100 00 

15,750 00 

26,190 00 
8,730 00 
4,650 00 

27,000 00 
4,950 00 
4,000 00 



SALEM MUTUAL FIRE INSURANCE CO. 



77 



Miscellaneous Bonds. 
American Telephone & Telegraph Co., 4s, 1929, 
American Writing Paper Co. 5s, 1919, 
Billings & E. Montana Power Co. 6s, 1934, 
Consumers Power Co. 5s, 1936, 
Kansas Gas & Electric Co. 5s, 1922, . 
New England Tel. & Tel. Co. 5s, 1919, 
New England Tel. & Tel. Co. 4s, 1930, 
Western Electric Co. 5s, 1922, . 
Western Union Tel. Co. 4Js, 1950, 



Book Value. 
$21,875 00 

10,000 00 
5,000 00 
4,850 00 
4,818 75 

10,000 00 

17,000 00 
1,992 50 

20,000 00 

$432,588 10 



Rate. 
90 
89 
97 
96 
96 

101 
91 

102 
97 



Market Value. 

$19,800 00 

8,900 00 

4,850 00 

4,800 00 

4,800 00 

10,100 00 

15,470 00 

2,040 00 

19,400 00 

$426,610 00 



SALEM MUTUAL FIRE INSURANCE COMPANY, SALEM. 

Incorporated April 17, 1838. Commenced business May 1, 1838. 
S. HERBERT WILKINS, President. ARTHUR DERBY, Secretary 

Income. 

Net premiums, ......... 

Gross interest on mortgages, $106.50; stocks and bonds, $3,407.58; 
bank deposits, $65.04, ....... 

Sale of rights, ......... 



$40,353 35 

3,579 12 
17 10 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



$43,949 57 
98,671 96 



Disbursements. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, ...... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Gross loss on sale of bonds, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



$142,621 


53 


$17,256 87 
304 36 


10,837 27 

6,527 06 

83 61 


4,066 


00 


600 00 


234 44 


285 


75 


51 


67 


302 


78 


87 


66 


302 


15 


411 


76 


521 


43 


67 


65 


$41,940 46 


$100,681 07 


$2,100 00 
88,961 18 


365 


80 


3,814 22 


5,439 


87 


$100,681 07 



78 



SALEM MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $10.30; bonds, $1,108.23, 

Gross assets, . . . . . . 

Assets not admitted. 

Agents' balances over three months due, . • 

Book value of stocks and bonds over market value, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, . 
Due for return premiums, . . . 

Total, . . 

Surplus to policy holders, . 

Total liabilities, including surplus, 



$235 63 
863 18 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

$6,319,610 00 
2,825,372 00 



Cash Prem's. 

$101,995 90 
44,702 85 



$9,144,982 00 
2,798,155 00 

$6,346,827 00 
301,232 00 

$6,045,595 00 

Miscellaneous. 



$146,698 75 
46,070 36 

$100,628 39 
4,662 40 

$95,965 99 



,118 53 



$101,799 60 



1,098 81 
$100,700 79 



$73 13 

47,176 08 

1,762 23 

69 45 

822 50 

111 98 

331 16 

$50,346 53 
50,354 26 

$100,700 79 



Conting't Prem's. 

$101,995 90 
44,702 85 

$146,698 75 
46,070 36 

$100,628 39 



Losses incurred during the year, 



Dividends to policy holders during 1911, 20, 25, 30, 35 and 40 per cent. 
Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
7 shares Boston & Maine, preferred, 
2 " Boston & Maine, common, 
Miscellaneous Stocks. 
22 shares Salem Gas Light Co., 

State and Municipal Bonds 
Akron, Ohio, 4s, 1913, 
Boston, Mass., 3£s, 1928, . 
Boston, Mass., 4s, 1916, . 
Boston, Mass., 3§s, 1919-20, 
Brockton, Mass., 4s, 1913-15, 
Canton, Ohio, 3|s, 1915, . 
Chicago, 111., 4s, 1921, 



$16,217 83 



Book Value. 


Rate. 


Market Value. 


$700 00 


148 


$1,036 00 


200 00 


, ioi 


202 00 


2,506 29 


220 


4,840 00 


1,034 92 


100 


1,000 00 


1,081 25 


95 


950 00 


1,111 25 


100 


1,000 00 


3,148 75 


97 


2,910 00 


2,012 50 


100 


2,000 00 


997 50 


98 


980 00 


3,125 00 


100 


3,000 00 



SAUGUS MUTUAL FIRE INSURANCE CO. 



79 



Columbus, Ohio, 4s, 1912, . 
Columbus, Ohio, 4s, 1934, . 
Cranston, R. I., 4s, 1925, . 
Dayton, Ohio, 4s, 1915, . 
Dayton, Ohio, 3£s, 1917, . 
Fall River, Mass., 3fs, 1930, 
Gloucester, Mass., 4|s, 1916, 
Haverhill, Mass., 4s, 1922, 
Lynn, Mass., 3?s, 1913, 
Lynn, Mass., 4s, 1921, 
Massachusetts 3s, 1928, 
Massachusetts 3?s, 1938, . 
Medford, Mass., 4s, 1917, 
Meriden, Conn., 3£s, 1919, 
Minneapolis, Minn., 4£s, 1914, 
New Bedford, Mass., 4s, 1912, 
New Britain, Conn., 4s, 1918, 
New London, Conn., 4s, 1924, 
Northampton, Mass., 35s, 1912, 
Pawtucket, R. I., 4fs, 1930, 
Peabody, Mass., 4s, 1921, . 
Peoria, 111., 4s, 1926, 
Portland, Me., Water District 4s, 1928, 
Portsmouth, N. H., 4s, 1913, 
Quincy, Mass., 4s, 1916, . 
Stamford, Conn., 3|s, 1921, 
Stamford, Conn., 4s, 1914, 
Toledo, Ohio, 4s, 1922, 
Yonkers, N. Y., 4$s, 1915-16, 
Yonkers, N. Y., 4Js, 1917, 

Railroad Bonds 
Boston & Albany 4s, 1913, 
Boston & Lowell 4s, 1932, 
Boston & Lowell 4s, 1913, 
Boston & Maine 4s, 1937, 
Boston & Maine 4s, 1942, 
Boston & Providence 4s, 1918, 
Fitchburg 4s, 1927, . 
Maine Central 4s, 1912, . 
Old Colony 4s, 1925, 
West End Street 4s, 1932, 

Miscellaneous Bonds 
American Tel. & Tel. Co. 4s, 1929, 



Book Value. 


Rate. 


Market Value. 


$1,055 


00 


100 


si, 000 00 


2,047 


50 


101 


2,020 00 


1,050 


00 


99 


990 00 


1,038 


70 


100 


1,000 00 


1,996 


51 


98 


1,960 00 


2,850 


00 


95 


2,850 00 


3,111 


00 


102 


3,060 00 


1,120 


00 


101 


1,010 00 


2,020 


00 


99 


1,980 00 


990 


00 


101 


1,010 00 


1,020 


00 


89 


890 00 


2,280 


00 


94 


1,880 00 


1,060 


00 


100 


1,000 00 


1,047 


80 


96 


960 00 


1,122 


50 


101 


1,010 00 


2,152 


50 


100 


2,000 00 


3,122 


98 


100 


3,000 00 


2,000 


00 


100 


2,000 00 


1,020 


00 


100 


1,000 00 


2,104 


80 


105 


2,100 00 


1,022 


50 


100 


1,000 00 


1,020 


80 


97 


970 00 


5,100 


00 


102 


5,100 00 


1,023 


44 


100 


1,000 00 


1,043 


75 


100 


1,000 00 


1,051 


25 


96 


960 00 


1,043 


75 


100 


1,000 00 


1,040 


00 


101 


1,010 00 


4,150 


20 


101 


4,040 00 


1,037 


85 


102 


1,020 00 


1,052 


50 


99 


990 00 


2,050 


00 


98 


1,960 00 


1,065 


89 


100 


1,000 00 


1,017 


50 


95 


950 00 


997 


50 


95 


950 00 


4,100 


00 


99 


3,960 00 


1,135 


00 


98 


980 00 


2,137 


50 


100 


2,000 00 


1,055 


00 


99 


990 00 


3,997 


50 


97 


3,880 00 


2,692 


50 


90 


2,700 00 


$88,961 


18 


$88,098 00 



SAUGUS MUTUAL FIRE INSURANCE COMPANY, SAUGUS. 

Incorporated Feb. 24, 1852. Commenced business April 1, 1852. 
HORACE H. ATHERTON, President. HORACE H. ATHERTON, Jr., Secretary. 

[Note. — This company insures nothing but dwellings, farm buildings and their contents, in Lynn, 
Saugus, Lynnfield, Swampscott and Nahant. No cash premiums are taken, but assessments are made 
on deposit notes to pay losses and expenses. All policies are issued for a term of three years.] 



Assessments, 

Policy fees, .... 
Gross interest on bank deposits, 
Assessments previously charged off, 
Sale of map, .... 

Total income, 
Ledger assets, Dec. 31, 1910, . 

Total, . 



Income. 



$2,109 70 


384 


00 


122 


23 


3 


70 


5 


00 


$2,624 63 


4,663 


67 



$7,288 30 



80 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for losses, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Maps, including corrections, .... 

State taxes on assessments, .... 

Assessments charged off, .... 

Total disbursements, . . . 

Balance, ...... 

Ledger Assets. 
Cash in office, . . . 
Deposits in trust companies and banks on interest, 
Assessments in course of collection, 

Total ledger assets, .... 

Liabilities. 

Salaries, expenses and accounts, due or accrued, 
Taxes, due or accrued, ..... 



Total liabilities, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



$2,101 15 

1,648 23 

150 00 

115 90 

98 62 

6 00 

20 02 

36 50 



Risks and Premiums. 



• 


• 


$4,176 42 


• 


• 


$3,111 88 


) 


* 


$22 49 

3,015 09 

74 30 


• 


$3,111 88 


• 


• 


$25 00 
20 98 


• 


$45 98 


s. 

Risks. 

$2,294,155 
748,600 


00 
00 


Conting't Prem's. 

$296,078 00 
96,449 00 


$3,042,755 
811,125 


00 
00 


$392,527 00 
106,181 00 



5,231,630 00 $286,346 00 



Miscellaneous. 
Net losses paid from organization of company, .... $76,939 93 

Losses incurred during the year, . . .... 2,103 39 

Assessments laid during the year on deposit notes or contingent 

premiums, ......... 2,098 60 



SOUTH DANVERS MUTUAL FIRE INSURANCE COMPANY, 

PEABODY. 

Incorporated June 12, 1829. Commenced business Aug. 1, 1829. 
G. HORACE MERRILL, President. FRANK TAYLOR, Secretary. 

Income. 
Net premiums, ......... $7,538 97 

Gross interest on stocks and bonds, $1,547.50; bank deposits, 

$7.50; all other, $6.92, 1,561 92 



SOUTH DANVERS MUTUAL FIRE INSURANCE CO. 



81 



Policy fees and permits, . . . 
Dividend, First National Bank, Salem, in liquidation, 
Borrowed money, 

Total income, ...... 

Ledger assets, Dec. 31, 1910, . 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, . . ■ 
Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Underwriters' boards and tariff associations, 
State taxes on premiums, .... 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 



$90 95 
120 00 
300 00 



Balance, 



Ledger Assets. 



Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, . . . . 

Non-Ledger Assets. 
Interest due and accrued on bonds, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Liabilities. 

Unpaid losses, ....... 

Unearned premiums on outstanding risks, 

Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, . 

Total liabilities, including surplus, 



$9,611 84 
31,771 08 



$41,382 92 


$1,058 10 


29 58 


3,954 09 


663 77 


1,084 00 


174 96 


112 85 


97 43 


28 36 


76 00 


1,500 00 


2 50 


57 08 


$8,838 72 


$32,544 20 


$30,950 57 


458 59 


500 00 


635 04 


$32,544 20 


274 16 


1,608 93 


$34,427 29 


$25 00 


16,158 72 


171 01 


172 75 


106 82 


17 42 



$16,651 72 
17,775 57 

$34,427 29 



82 



TKADERS AND MECHANICS INSURANCE CO. 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . • > . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$1,622,692 00 
491,989 00 



Cash Prem's. Conting't Prem's. 

$32,357 11 $97,071 33 
8,636 43 25,909 29 



$2,114,681 00 
327,732 00 

$1,786,949 00 
58,958 00 

$1,727,991 00 



$40,993-54 $122,980 62 
6,261 87 18,785 61 



$34,731 67 $104,195 01 
959 32 



$33,772 35 



Miscellaneous. 
Losses incurred during the year, . . . • . . . $ 

Dividends to policy holders during 1911, 20, 30, 40 and 60 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
15 shares N. Y., N. H. & Hartford, . 
55 " Pennsylvania, .... 
Bank Stocks. 

1 share Cape Ann National, Gloucester, 
4 shares State National, Boston, 

20 " Warren National, Peabody, 

Miscellaneous Stocks. 
12 shares American Tel. & Tel. Co., . 
20 " Androscoggin Mills, Maine, 

2 " Nashua Manufacturing Co., 
20 " Naumkeag Steam Cotton Co., Salem, 

Municipal Bonds. 
Providence, R. I., 4s, 1921, 

Railroad Bonds. 
Boston & Maine 4s, 1942, . . • . 

N. Y. Central & Hudson River 3|s, 1997, . 
Pennsylvania 3|s, 1915, .... 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1936, . 
American Tel & Tel. Co. 4s, 1929, 
Western Tel. & Tel. Co. 5s, 1932, 



l,083 10 



Book Value. 


Rate. 


Market Value. 


$3,168 75 
3,199 36 


137 
123 


$2,055 00 
3,382 50 


150 00 

560 00 

2,200 00 


150 
178 
110 


150 00 

712 00 

2,200 00 


1,476 65 

2,000 00 

960 00 

2,045 00 


140 
185 
130 
140 


1,680 00 
3,700 00 
1,300 00 
2,800 00 


4,184 44 


101 


4,040 00 


3,084 50 
2,094 37 
1,897 50 


95 

88 
97 


2,850 00 
1,760 00 
1,940 00 


950 00 

892 50 

2,087 50 


109 

90 

100 


1,090 00 

900 00 

2,000 00 


$30,950 57 


$32,559 50 



TRADERS' AND MECHANICS' INSURANCE COMPANY, LOWELL. 

Incorporated June, 1848. Commenced business June, 1848. 
CHARLES C. HUTCHINSON, President. ■ EDWARD M- TUCKE, Secretary. 

Income. 
Net premiums, . . . 
Gross interest on mortgages, $2,034.50; collaterals, $688; stocks 

and bonds, $21,426.09; bank deposits, $161.83; all other, 

$59.75; gross rents, $1,698.50, 
Gross profit on sale of bonds, . 
Gross increase in book value of bonds, 
Commissions on reinsurance, . 
Dividends and return premiums on reinsurance 
Borrowed money, . . . ... 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



$193,133 76 



26,068 67 

218 75 

5,130 00 

412 10 

1,764 81 

55,000 00 



$281,728 09 
527,146 53 

$808,874 62 



TRADERS AND MECHANICS INSURANCE CO. 



83 



Disbursements. 

Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, ..... 

Commissions or brokerage, ..... 

Salaries and expenses of special agents, 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross loss on sale of bonds, ..... 

Loss on Middlesex Co. stock on account of reorganization, 
Borrowed money repaid, ..... 

Interest on borrowed money, ..... 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A) , 
Book value of stocks and bonds (schedule B) , . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Due from other companies, .... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $466.86; bonds, $529.18; collateral loans, $124.04, 
Rents accrued on company's property, 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, 
Due from other companies, .... 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . . . $1,124 34 

Collateral loan in excess of market value, . . 194 00 

Admitted assets, ........ 



$102,236 53 
2,179 04 
88,410 
28,921 



Oh 



J,370 

16,500 

1,720 

1,672 

871 

41 

490 

1,225 

612 

240 

344 

418 

2,407 

391 

687 

1,000 

60,000 

828 

1,563 



50 
08 
00 
79 
26 
75 
10 
05 
82 
65 
15 
94 
86 
00 
50 
00 
00 
28 
41 



3316,133 10 
$492,741 52 



$22,730 09 

39,820 60 

17,300 00 

390,400 00 

600 00 

8,426 29 

13,098 71 

365 83 

$492,741 52 



1,120 08 

186 00 

769 91 

84,372 00 

515 07 

$579,704 58 



1,318 34 

$578,386 24 



84 



TRADERS AND MECHANICS INSURANCE CO. 



Liabilities. 
Unpaid losses, including $1,500 resisted, . 
Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Dividends due policy holders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, . . 
Borrowed money, ...... 

Total, 

Surplus to policy holders, . 

Total liabilities, including surplus, 



$5,492 72 


330,410 29 


77 78 


2,836 85 


172 89 


1,508 27 


149 24 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Hislts 

$51,161,051 00 
13,256,856 00 



10,000 00 

$350,648 04 
227,738 20 

$578,386 24 



Cash Preni's. Conting't Prem's. 

$745,740 20 $745,740 20 
203,694 88 203,694 88 



$64,417,907 00 
16,206,544 00 

$48,211,363 00 
721,397 00 



$949,435 08 $949,435 08 
238,996 82 238,996 82 



$710,438 26 $710,438 26 
8,656 89 



$47,489,966 00 $701,781 37 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 20, 30, 40, 50 and 60 per cent. 

Schedule A. Securities held as Collateral. 



$5,654,493 94 

2,336,911 48 

2,242,834 94 

103,972 47 



4 shares Lowell Gas Light Co. 



2 
18 
10 
20 
20 
10 
12 
45 
100 
10 

6 



Tremont & Suffolk Mills, . 

Mass. Cotton Mills, . 

St. Mary's Mineral Land Co., 

Amalgamated Copper Co., 

U. S. Smelting Co., . 

Esmond Mills, 

N. E. Tel. & Tel. Co., 

Massachusetts Electric Cos., preferred 

Massachusetts Electric Cos., preferred 

Merrimack Mfg. Co., common, . 

Merrimack Mfg. Co., preferred, 



Company's 
Market Value. 
$1,200 00 \ 
230 00/ 
2,160 00 
500 00 
320 00 
940 00 
1,050 00 J 
1,800 00 \ 
4,275 00 / 
9,500 00 
*400 00 \ 
606 00 / 

$22,981 00 



Loaned 
Thereon. 

$1,000 00 
4,600 00 

2,000 00 
8,500 00 
1,200 00 

$17,300 00 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

25 shares Vermont & Massachusetts, . . $2,500 00 164 $4,100 00 

100 shares Old Lowell National, . . . 10,000 00 106 10,600 00 



Department valuation. 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE CO. 



85 



Miscellaneous Stocks. 

35 shares Bigelow Carpet Co., Lowell, 

34 " Boott Mills, Boston, 

20 " Hamilton Mfg. Co., . 

95 " Lawrence Gas Co., 
462 " Lowell Gas Light Co., 
134 " Massachusetts Cotton Mills, Lowell, 

68 " Massachusetts Cotton Mills in Ga.. 
200 " Massachusetts Electric Cos., preferred 
200 " Massachusetts Gas Co., preferred, 
110 " Merrimack Mfg. Co., common, . 

66 " Merrimack Mfg. Co., preferred, 
5 " Middlesex Co., 

50 " Tremont & Suffolk Mills, . 
State Bonds. 
Massachusetts 3s, 1941, .... 

Railroad Bonds. 
Boston & Maine 4|s, 1944, 
Boston & Maine 4s, 1926, 
Illinois Central (Omaha Div.) 3s, 1951, 
Long Island 5s, 1932, .... 

Long Island City & Flushing 5s, 1937, 
New England 5s, 1945, .... 
Ogdensburg & Lake Champlain 4s, 1948, 
Rutland Canadian 4s, 1949, 

Southern 4s, 1951, 

United Tr. & El. Co., Prov., R. I., 5s, 1933, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 



00 
00 
00 



Book Value. 
S3, 500 00 

3,400 

2,000 

9,500 
46,200 00 
13,400 00 

6,800 00 
20,000 00 
20,000 00 
11,000 00 

6,600 00 
500 00 

5,000 00 

25,000 00 

20,000 00 
25,000 00 
15,000 00 
10,000 00 
1,000 00 
10,000 00 
20,000 00 
20,000 00 
15,000 00 
15,000 00 

54,000 00 
$390,400 00 



Rate. 

168 

98 

82 

205 

299 

120 

102 

97 

95 

40 

101 

75 

125 

85 

103 
96 
75 

106 
105 
116 

87 

86 

88 

105 

90 



Market Value. 

$5,880 00 

3,332 00 

1,040 00 

19,475 00 

138,138 00 

16,080 00 

6,936 00 

19,400 00 

19,000 00 

4,400 00 

6,666 00 

375 00 

6,250 00 

21,250 00 

20,600 00 
24,000 00 
11,250 00 
10,600 00 
1,050 00 
11,600 00 
17,400 00 
17,200 00 
13,200 00 
15,750 00 

48,600 00 

$474,772 00 



UNITED DRUGGISTS MUTUAL FIRE INSURANCE COMPANY, 

BOSTON. 

Incorporated Oct. 31, 1908. Commenced business Nov. 5, 1908. 
LOUIS K. LIGGETT, President. ARCHIE W. CAMPBELL, Secretary. 

Guaranty Capital, §100,000. 

Office, !$ Leon Street, Roxbury. 

Income. 

Net premiums, $90,185 36 

Gross interest on stocks and bonds, $4,103.69; bank deposits, 
$652.36, 4,756 05 

Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends on guaranty capital, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 
Rents, . . . . ., ... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ..... 
Gross loss on sale or maturity of bonds, . 
Gross decrease in book value of bonds, 





$94,941 41 
138,370 62 


$233,312 03 






$23,254 45 

325 82 






10,500 00 

25,918 33 

6,426 36 






240 00 






1,499 51 
1,028 17 






85 75 






68 18 






203 26 



86 UNITED DRUGGISTS MUTUAL FIRE INSURANCE CO. 

Uncollectible premiums, ....... $35 47 

All other disbursements, ....... 900 14 



Total disbursements, $70,485 44 



Balance, $162,826 59 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . . . . $128,898 63 

Cash in office, . . # . 1,039 04 

Deposits in trust companies and banks on interest, . . . 23,595 35 

Premiums in course of collection, ...... 9,293 57 



Total ledger assets, $162,826 59 

Non-Ledger Assets. 
Interest due and accrued on: — 
Bonds, $1,142.62; other assets, $15.65, . . . . . 1,158 27 



Gross assets, . . $163,984 86 

Assets not admitted. 

Premiums over three months due, .... $668 20 

Book value of stocks and bonds over market value, . 2,128 63 2,796 83 



Admitted assets, $161,188 03 

Liabilities. 

Unpaid losses, $16,019.88; less reinsurance, $1,211.44, . . $14,808 44 

Unearned premiums on outstanding risks, .... 46,666 93 

Salaries, expenses and accounts, due or accrued, . . . 617 33 

Due for reinsurance, ........ 2,082 68 



Total, $64,175 38 

Guaranty capital, ...... $100,000 00 

Impairment of guaranty capital, . . . 2,987 35 

Surplus to policy holders, .... 97,012 65 



Total liabilities, including surplus, ..... $161,188 03 



In force Dec. 31, 1910, . 

Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

$4,349,737 00 $72,646 88 $72,646 88 

5,946,216 00 100,102 26 100,102 26 



$10,295,953 00 $172,749 14 $172,749 14 

4,067,659 00 69,681 74 69,681 74 

$6,228,294 00 $103,067 40 $103,067 40 

769,660 00 12,177 01 



Net amount in force, . $5,458,634 00 $90,890 39 

Miscellaneous. 

Net premiums received from organization of company, . . $205,931 59 

Net losses paid from organization of company, . . . 59,235 86 



WEST NEWBURY MUTUAL FIRE INSURANCE CO. 



87 



Cash dividends paid policy holders from organization of company, $48,361 13 
Losses incurred during the year, ...... 37,527 47 

Dividends to policy holders during 1911, 40 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Miscellaneous Stocks. 
32 shares Cumberland Tel. & Tel. Co., 
State and Municipal Bonds. 
Amesbury, Mass., tax exempt 4s, 1914, 
Boston, Mass., tax exempt 4s, 1914-15, 
Chelsea, Mass., tax exempt 4s, 1958, . 
Clinton, Mass., tax exempt 4s, 1913, . 
Gloucester, Mass., tax exempt 4s, 1913-15, 
Gloucester, Mass., tax exempt 4s, 1916-19, 
Gloucester, Mass., tax exempt 4s, 1920-22, 
Gloucester, Mass., tax exempt 4s, 1923-27, 
Haverhill, Mass., tax exempt 4s, 1918, 
Hyde Park, Mass., tax exempt 4s, 1915, 
tax exempt 4s, 1916, 
, tax exempt 4s, 1915, 
, tax exempt 4s, 1916-17 
, tax exempt 4s, 1921, 
Massachusetts tax exempt 3§s, 1950, . 
Methuen, Mass., tax exempt 4s, 1914-15, 
North Chicago, 111., 5s, 1914, . 
Pittsfield, Mass., tax exempt 4s, 1912, 
Waukegan, 111., 5s, 1912, . 
Worcester, Mass., tax exempt 4s, 1920, 
Worcester, Mass., tax exempt 4s, 1930, 

Railroad Bonds. 
Canadian Northern equipment 4£s, 1914, 
Canadian Northern equipment 4Js, 1915, 

Miscellaneous Bonds. 
American Locomotive Co. 5s, 1914, 
Minneapolis Gas Light Co. 5s, 1930, . 



Hyde Park, Mass., 
Marblehead, Mass. 
Marblehead, Mass. 
Marblehead, Mass. 



Book Value. 
$4,980 00 



2,017 
10,121 
10,887 

2,009 



20 
50 
50 
80 



15,375 00 



5,134 
1,012 
1,016 
1,014 
2,041 
2,076 

10,212 

2,022 

100 

1,004 

500 

5,173 

32,265 



00 
93 
65 
10 
30 
60 
00 
50 
00 
90 
00 
00 
00 



4,959 50 
4,954 90 

5,020 25 
5,000 00 



Kate. 
159 

101 
101 
107 
100 
101 
102 
103 
104 
102 
101 
102 
101 
102 
103 
100 
101 
102 
100 
100 
103 
102 

99 
98 

100 
100 



$128,898 63 



Market Value. 
$5,088 00 

2,020 00 

10,100 00 

10,700 00 

2,000 00 

3,030 00 

4,080 00 

3,090 00 

5,200 00 

5,100 00 

1,010 00 

1,020 00 

1,010 00 

2,040 00 

2,060 00 

10,000 00 

2,020 00 

102 00 

1,000 00 

500 00 

5,150 00 

30,600 00 

4,950 00 
4,900 00 

5,000 00 
5,000 00 

$126,770 00 



WEST NEWBURY MUTUAL FIRE INSURANCE COMPANY, 

WEST NEWBURY. 

Incorporated March, 1828. Commenced business April, 1828. 

RICHARD NEWELL, President. DANIEL COONEY, Secretary. 

[Note. — This company relies upon assessments on deposit notes to pay losses and expenses.] 

Income. 

Assessments, . $658 48 

Policy fees, . 212 00 

Borrowed money, ......... 3,150 00 



Total income, ..... 

Ledger assets, Dec. 31, 1910, . . . . 

Total, 

Disbursements. 
Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, . . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Printing and stationery, 

Postage, telegrams, telephone and express, 



$4,020 48 
79 06 

$4,099 54 



$3,288 51 

44 30 
77 73 

431 05 
17 00 

45 80 
39 53 



88 



WORCESTER MANUFACTURERS MUTUAL INSURANCE CO. 



State taxes on premiums, . . . 

Interest on borrowed mone} r , ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 



Total ledger assets, 

Furniture and safe, 
Unpaid assessments, 



Non-Ledger Assets. 



Assets not admitted. 



Gross assets, . 

Furniture and safe, 

Admitted assets, .... 

Liabilities. 

Interest due or accrued on borrowed money, 
Borrowed money, ..... 



Total liabilities, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 



$61 22 
25 00 



[,030 14 



$69 40 

$19 97 
49 43 



$69 40 


75 00 
1 41 


$145 81 


75 00 


$70 81 


$52 54 
3,650 00 



Risks. 

$1,633,618 00 
559,881 00 

$2,193,499 00 
587,379 00 



$3,702 54 



Conting't Prem's. 

$125,038 02 
40,185 45 

$165,223 47 
42,746 51 



Miscellaneous. 



Net losses since 1879, 

Losses incurred during the year, 



$1,606,120 00 $122,476 96 

$91,492 55 

3,288 51 



WORCESTER MANUFACTURERS' MUTUAL INSURANCE COMPANY, 

WORCESTER. 

Incorporated March 31, 1855. Commenced business March 31, 1855. 
WALDO E. BUCK, President. CHARLES S. BACON, Secretary. 

Income. 

Net premiums, $764,446 03 

Gross interest on stocks and bonds, $30,666; bank deposits, 
$3,059.26, * . 33,725 26 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



. $798,171 29 
853,643 26 

. $1,651,814 55 



WORCESTER MANUFACTURERS* MUTUAL INSURANCE CO. 



89 



Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, 
Inspection department, for inspections, maps, plans and adjust- 
ment of losses, .... 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, 

Gross decrease in book value of bonds, 

All other disbursements, 

Total disbursements, 

Balance, . . . . 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, . . . 

Gross assets, . . . . . . . . 

Assets not admitted. 
Premiums over three months due, .... $159 56 
Book value of stocks and bonds over market value, . 6,464 41 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, ..... 
Unearned premiums on outstanding risks, 
Federal, state and other taxes, due or accrued, 

Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 



Risks and Premiums. 

Risks. 

.$110,581,505 00 
. 110,364,761 00 



$22,120 83 

689,220 96 

14,182 98 

2,341 67 

1,020 48 

464 59 

526 53 

225 45 

14,375 64 

8,336 79 

114 00 

3,591 26 

7,968 75 

222 50 

651 90 

$765,364 33 

$886,450 22 



$749,642 41 

39 98 

124,051 81 

12,716 02 



Cash Prem's. 

$811,522 75 

789,289 97 



$220,946,266 00 
104,962,809 00 



$1,600,812 72 
753,576 65 



$886,450 22 



9,085 42 
$895,535 64 



6,623 97 



,911 67 



$1,188 22 

439,169 00 

5,801 30 

$446,158 52 
442,753 15 



,911 67 



Conthig't Prem's. 

$4,057,613 75 
3,946,449 85 

$8,004,063 60 
3,767,883 25 



In force at end of year, . . $115,983,457 00 $847,236 07 $4,236,180 35 



90 



WORCESTER MANUFACTURERS ' MUTUAL INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, . . $13,342,028 93 
Net losses paid from organization of company, . . . 1,678,904 30 

Cash dividends paid policy holders from organization of company, 10,631,211 21 
Losses incurred during the year, ...... 21,543 37 

Dividends to policy holders during 1911, 94.579 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Connecticut River, . 
52 " Norwich & Worcester, preferred, 
100 " Southern Pacific, common, 
100 " Union Pacific, preferred, . 

Miscellaneous Stocks. 
200 shares Northwestern Telegraph Co., 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Boston & Albany 3£s, 1951, 
Boston & Albany 4s, 1934, 
Boston & Lowell 3Js, 1923, 
Boston & Lowell 4s, 1932, 
Boston & Maine 4§s, 1944, 
Boston & Maine 4s, 1926, 
Central of New Jersey 5s, 1987, 
Chesapeake & Ohio 4fs, 1992, 
Chicago, Burlington & Quincy 4s, 1958, 
Chicago, Burlington & Quincy 3fs, 1949, 
Chicago, Indiana & Southern 4s, 1956, 
Chicago June. & Union Stock Yds. 5s, 1915, 
Chicago, Rock Island & Pacific 4s, 2002, 
Chicago, Pock Island & Pacific 1st ref. 4s, 1934, 
Concord & Montreal 4s, 1920, . 
Delaware & Hudson 4s, 1943, 
Erie (Pennsylvania col.) 4s, 1951, 
Kansas City Terminal 1st 4s, 1960, 
Lake Shore & Michigan Southern 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
New London Northern 4s, 1940, 
New York Central equipment 4£s, 1923, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Ogdensburg & Lake Champlain 4s, 1948, 
Old Colony 4s, 1924, .... 

Oregon Pailroad & Navigation Co. 4s, 1946, 
Oregon Short Line 5s, 1946, 
Oregon Short Line 4s, 1929, 
Oregon- Wash. R. R. & Navigation 1st 4s, 1961, 
Pennsylvania convertible 3|s, 1915, 
Providence & Worcester 4s, 1947, 
Richmond-Washington 4s, 1943, 
Rio Grande Western 4s, 1939, . 
Rutland equipment 4Js, 1912, . 
Southern Pacific convertible 4s, 1929, 
Toronto, Hamilton & Buffalo 4s, 1946, 
Union Pacific 4s, 1947, 
West End Street 4£s, 1914, 
West End Street 4s, 1915, 
Wisconsin Central 4s, 1949, 

Miscellaneous Bonds. 
American Agricultural Chemical Co. 5s, 1928, 
American Telephone & Telegraph Co. 4s, 1929, 
Massachusetts Gas Co. 4s, 1929, 
New York Telephone Co. 1st 4|s, 1939, 



Book Value. 

$25,000 00 

10,700 00 

10,775 00 

7,700 00 

12,487 50 

15,000 00 
15,000 00 
19,800 00 
20,000 00 
20,000 00 
20,000 00 

9,800 00 
10,000 00 
15,000 00 
35,000 00 
14,456 25 

9,487 50 
10,000 00 

8,912 50 

9,062 50 
45,000 00 
19,950 00 

9,400 00 
14,662 50 
20,000 00 

8,750 00 
24,812 50 
19,763 66 
23,531 25 
10,000 00 
15,000 00 
10,000 00 

5,000 00 
19,475 00 
13,961 25 
24,000 00 
50,000 00 
10,000 00 
10,000 00 
10,000 00 

9,888 75 

4,887 50 

5,000 00 
10,000 00 
10,000 00 

9,200 00 

9,950 00 
9,800 00 
9,703 75 
9,725 00 

$749,642 41 



Rate. 
271 
214 
113 
93 

114 

99 
88 
99 
94 
98 

103 
96 

122 

102 
97 
88 
92 

101 
72 
89 
99 
99 
89 
98 
94 
93 
99 

101 
97 
87 
99 
96 

111 
94 
93 
97 
99 
97 
87 

100 
97 
89 

101 

100 
99 
93 

102 
90 
99 

101 



Market Value. 

$27,100 00 

11,128 00 

11,300 00 

9,300 00 

11,400 00 

14,850 00 

13,200 00 

19,800 00 

18,800 00 

19,600 00 

20,600 00 

9,600 00 

12,200 00 

15,300 00 

33,950 00 

13,200 00 

9,200 00 

10,100 00 

7,200 00 

8,900 00 

44,550 00 

19,800 00 

8,900 00 

14,700 00 

18,800 00 

9,300 00 

24,750 00 

20,200 00 

24,250 00 

8,700 00 

14,850 00 

9,600 00 

5,550 00 

18,800 00 

13,950 00 

24,250 00 

49,500 00 

9,700 00 

8,700 00 

10,000 00 

9,700 00 

4.450 00 

5,050 00 

10,000 00 

9,900 00 

9,300 00 

10,200 00 
9,000 00 
9,900 00 

10,100 00 

$743,178 00 



WORCESTER MUTUAL FIRE INSURANCE CO. 



91 



WORCESTER MUTUAL FIRE INSURANCE COMPANY, WORCESTER. 

Incorporated Feb. 11, 1823. Commenced business May 1, 1824. 
LEWIS N. GILBERT, President. ROGER F. UPHAM, Secretary. 

Income. 

Net premiums, . . . . ... 

Gross interest on mortgages, $10,014; collaterals, $22.50; bonds, 

$19,491.25; bank deposits, $968.38; gross rents, including 

$1,800 for company's own occupancy, $11,075.55, . 
Gross profit on sale of bonds, ....... 

Gross increase in book value of bonds, ..... 

Dividends on reinsurance, ....... 

From all other sources, . ... . . 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



D ISBURSEMENTS. 



Net amount paid policy holders for losses, 
Expenses of adjustment and settlement of losses, 
Dividends to policy holders, .... 

Commissions or brokerage, . . 

Agency expenses, ...... 

Salaries, fees, etc., of officers and emploj^ees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . . . . , • . 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, .... 

Balance, . 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, . 



$122,867 80 


41,571 68 

93 33 

449 49 

49 94 

44 49 



$165,076 73 
827,177 76 



$992,254 49 


$32,030 07 
714 94 


65,180 16 

17,653 55 

50 00 


16,961 17 
1,800 00 
2,104 93 
1,112 55 


119 03 


46 21 


335 00 


438 71 


681 63 


1,201 72 


1,802 46 
2,770 68 


1,286 66 


137 00 


169 45 


75 70 


$146,671 62 


$845,582 87 


$100,000 00 

193,600 00 

500,000 00 

700 21 


44,124 24 


7,158 42 


$845,582 87 



92 



WORCESTER MUTUAL FIRE INSURANCE CO. 



Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $2,858.97; bonds, $7,046.18; other assets, $113.01, 
Rents accrued on company's property, 
Market value of real estate over book value, 



Gross assets, 



Assets not admitted. 
Book value of bonds over market value, . 
Mortgage loan and accrued interest in excess of 
appraisal, ....... 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Dividends due policy holders, .... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Due for return premiums, $495.24; reinsurance, $11, 

Total, . . 
Surplus to policy holders, .... 

Total liabilities, including surplus, 



$23,270 00 
418 75 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

,327,373 00 
9,706,023 00 



Cash Prem's. 

$545,682 11 
129,296 72 



$50,033,396 00 
10,155,744 00 

$39,877,652 00 
10,500 00 



$674,978 83 
136,926 68 

$538,052 15 
125 60 



$39,867,152 00 $537,926 55 



Miscellaneous. 

Losses incurred during the year, ...... 

Dividends to policy holders during 1911, 20, 40 and 60 per cent. 

Schedule A. Bonds owned by the Company. 

State and Municipal Bonds. 
Massachusetts 3§s, 1945, . 
Massachusetts 3fs, 1934, . 
New York, N. Y., 4|s, 1960, . 
New York, N. Y., 4|s, 1957, . 
Railroad Bonds. 
Bangor & Aroostook consolidated 4s, 1951, 
Boston & Albany 3|s, 1951, 
Boston & Albany 4s, 1933-35, . 
Boston Elevated 4£s, 1937, 
Boston Elevated 4s, 1935, 



$10,018 16 

924 24 

12,600 00 

$869,125 27 



23,688 75 
$845,436 52 



$870 00 

263,182 60 

1,887 15 

1,391 60 

2,914 33 

506 24 

$270,751 92 
574,684 60 

$845,436 52 



Conting't Prem's. 

$545,682 11 
129,296 72 

$674,978 83 
136,926 68 

$538,052 15 



$31,300 07 



Book Value. 


Rate. 


Market Value. 


$15,000 00 


100 


$15,000 


00 


5,000 


00 


100 


5,000 


00 


5,000 


00 


103 


5,150 


00 


5,000 


00 


108 


5,400 


00 


5,000 


00 


81 


4,050 


00 


5,000 


00 


88 


4,400 


00 


20,000 


00 


99 


19,800 


00 


10,000 


00 


102 


10,200 


00 


5,000 


00 


95 


4,750 


00 



WORCESTER MUTUAL FIRE INSURANCE CO. 



93 



Boston & Lowell 3§s, 1921, 

Boston & Maine 4£s, 1944, 

Boston & Maine 4s, 1937, 

Boston & Maine 4s, 1926, 

Boston & Northern Street 4s, 1954, 

Boston & Worcester Street 1st 4§s, 1923, 

Cent. Pac. (Through Short Line) 4s, 1954, 

Chicago, Burl. & Quincy (111. Div.) 3$s, 1949, 

Chic, Milwaukee & St. Paul 1st gen. 4s, 1989, 

Chicago & Northwestern 4s, 1987, 

Chicago, Rock Island & Pacific gen. 4s, 1988, 

Chic, Rock Island & Pacific 1st ref. 4s, 1934, 

Chicago & Western Indiana cons. 4s, 1952, 

Cincinnati, Hamilton & Dayton gen. 5s, 1942, 

Cinn., Ind., St. Louis & Chic. 1st 4s, 1936, . 

Concord & Montreal 1st 4s, 1920, 

Delaware & Hudson 1st ref. 4s, 1943, 

Fitchburg 4s, 1927, 

111. Cent. (Louisville Div. & Ter.) 1st 3£s, 1951, 

111. Cent. (St. Louis Div. & Ter.) 3|s, 1953, 

Maine Central 4s, 1933, . 

Michigan Central 1st 4s, 1940, . 

Minn., St. P. & Sault St. Marie cons. ref. 4s, 1938 ; 

Mohawk & Malone 4s, 1991, 

N. Y. Cent. & Hudson R. 1st 3|s, 1997, 

N. Y., N. H. & Hartford deb. 4s, 1955, 

N. Y., N. H. & Hartford deb. 4s, 1947, 

N. Y., N. H. & Hartford deb. 3|s, 1947, 

Pere Marquette 4s, 1943, . 

St. Paul, Minn. & Manitoba 4s, 1933, 

St. Paul, Minn. & Manitoba 4^s, 1933, 

Toledo, Walhonding Valley & Ohio 1st 4s, 1942, 

West End Street deb. 4|s, 1930, 

West End Street 4s, 1915, 

Worcester Consolidated St. 4£s, 1920, 

Worcester, Nashua & Rochester 1st 4s, 1934, 

Worcester, Nashua & Rochester 1st 4s, 1930, 



Book Value. 

$50,000 00 

5,000 00 

10,000 00 

10,000 00 

5,000 00 

5,000 00 

5,000 00 

15,000 00 

10,000 00 

5,000 00 

10,000 00 

32,000 00 

10,000 00 

12,000 00 

20,000 00 

20,000 00 

10,000 00 

25,000 00 

13,000 00 

13,000 00 

7,000 00 

5,000 00 

10,000 00 

9,000 00 

6,000 00 

20,000 00 

10,000 00 

10,000 00 

5,000 00 

3,000 00 

5,000 00 

20,000 00 

10,000 00 

6,000 00 

5,000 00 

4,000 00 

5,000 00 

$500,000 00 



Rate. 
95 

103 
95 
96 
92 
96 
93 
88 
99 
98 
96 
89 
92 

103 
98 
99 
99 
98 
85 
86 
97 
99 
97 
99 
88 
93 
93 
82 
83 
99 

106 
96 

103 
99 

102 
98 
98 



Market Value. 

$47,500 00 

5,150 00 

9,500 00 

9,600 00 

4,600 00 

4,800 00 

4,650 00 

13,200 00 

9,900 00 

4,900 00 

9,600 00 

28,480 00 

9,200 00 

12,360 00 

19,600 00 

19,800 00 

9,900 00 

24,500 00 

11,050 00 

11,180 00 

6,790 00 

4,950 00 

9,700 00 

8,910 00 

5,280 00 

18,600 00 

9,300 00 

8,200 00 

4,150 00 

2,970 00 

5,300 00 

19,200 00 

10,300 00 

5,940 00 

5,100 00 

3,920 00 

4,900 00 

$476,730 00 



94 



INDIA MUTUAL INSURANCE CO. 



MASSACHUSETTS MUTUAL FIRE-MARINE INSURANCE 

COMPANY. 



INDIA MUTUAL INSURANCE COMPANY, BOSTON. 

Incorporated March 29, 1867. Commenced business May 2, 1867. 

H. B. ALDEN, President. GEO. H. CROWELL, Secretary. 

Guabanty Fund paid up in Notes, $180,000. 

Office, 50 Kilby Street. 

Income. 
Net fire premiums, ........ 

Gross interest on mortgages, $27; stocks and bonds, $5,145.42; 
bank deposits, $55.84; all other, $156.55, .... 

Gross profit on sale of bonds, 
Sale of rights, 



Total income, 
Ledger assets, Dec. 31, 1910, 
fund, 

Total, . 



$114,491 29 

5,384 81 

1,322 50 

981 57 



plus $5,000 increase in guaranty 



Disbursements. 



Net amount paid policy holders for fire losses, . . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Gross decrease in book value of stocks, 

Interest paid scrip holders, ..... 

All other disbursements, . 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ; . . . . . 



$122,180 17 


334,662 70 


$456,842 87 


$80,282 02 


1,809 27 


25,663 90 


9,455 50 


1,903 00 


528 47 


621 72 


332 56 


81 32 


129 20 


769 97 


607 46 


1,221 03 


70 00 


981 57 


3,732 20 


834 50 


$129,023 69 



$327,819 18 



$450 00 

109,785 99 

566 62 



INDIA MUTUAL INSURANCE CO. 



95 



Deposits in trust companies and banks on interest, . 

Agents' balances, ......... 

Subscription notes, on time not exceeding 12 months, not yet due, 
Company's scrip owned, . . . . . 

Deposits with fire boards, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 

Interest accrued on mortgages, 

Market value of stocks and bonds over book value, 



Gross assets, .... 

Assets not admitted. 

Company's scrip owned, .... 

Agents' balances over three months due, . 
Deposits with fire boards, .... 

Admitted assets, ..... 



Liabilities. 

Unpaid losses, including $3,734.15 resisted, $25,320.38; less rein- 
surance, $124.18, ' . . 
Unearned premiums on outstanding risks, 
Interest due scrip holders, .... 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, . 
Due for reinsurance, ..... 



$3,019 37 

31,729 86 

180,000 00 

2,067 34 

200 00 



• 


$327,819 18 




2 25 


• 


5,066 51 


• 


$332,887 94 


$2,067 34 
8,051 35 




200 00 


10,318 69 


• 


$322,569 25 


; less rein- 




• 


$25,196 20 

77,606 62 

1,466 37 

700 00 


s, . 


5,682 85 




719 24 


• 


691 87 



Total, . . .. 
Surplus to policy holders, 
Guaranty fund, ..... 
Scrip outstanding not ordered to be redeemed, 
Impairment of scrip reserve, . 



$210,506 10 



$112,063 15 

180,000 00 
150,471 00 
119,964 90 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, § . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

$10,544,698 00 
10,377,088 00 



$20,921,786 00 

9,467,824 00 

$11,453,962 00 

608,950 00 



Premiums. 

$150,674 37 
143,798 47 

$294,472 84 
135,581 11 

$158,891 73 
6,433 96 



$10,845,012 00 $152,457 77 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 



$5,035,146 00 

3,449,667 02 

178,032 00 

90,540 89 



96 



INDIA MUTUAL INSURANCE CO. 



Schedule A. Stocks and Bonds owned by the Company. 

. Railroad Stocks. 

25 shares Boston & Albany, 

150 " Boston & Maine, 

25 " Fitchburg, preferred, 

150 " Old Colony, . 

200 " Pennsylvania, 

125 " West End Street, preferred, 

Miscellaneous Stocks. 
70 shares American Tel. & Tel. Co., 
60 " Pieman Co., .... 

Railroad Bonds. 
N. Y., N. H. & Hartford conv. deb. 3Js, 1956, 



Book Value. 


Rate. 


Market Value. 


$5,716 00 
22,533 56 

2,383 25 
18,750 00 
12,699 06 

9,872 75 


221 
101 
126 
187 
123 
207 


$5,525 00 
15,150 00 
3,150 00 
28,050 00 
12,300 00 
12,937 50 


9,730 62 
6,232 00 


140 
159 


9,800 00 
9,540 00 


21,868 75 


92 


18,400 00 


$109,785 99 


$114,852 50 



BOSTON INSURANCE CO. 



97 



MASSACHUSETTS JOINT-STOCK FIRE, MARINE AND 
FIRE-MARINE INSURANCE COMPANIES. 



BOSTON INSURANCE COMPANY, BOSTON. 

Incorporated Dec. 23, 1873. Commenced business Jan. 20, 1874. 

Paid-up Capital, $1,000,000. 

RANSOM B. FULLER, President. FREEMAN NICKERSON, Secretary. 

Office, 137 Milk Street. 



Income. 

Net fire premiums, $1,459,024.49; marine, $1,611,019.63, . . $3,070, 

Gross interest on mortgages, $27,619.02; collaterals, $2,200.83; 

stocks and bonds, $207,825.34; bank deposits, $6,330.09; all 

other, $125; gross rents, $190, 
Gross profit on sale of bonds, . 
Profit from home office agency, 
Agents' balances previously charged off, 
Borrowed money, .... 
Dividend, National Bank of Republic, in liquidation, 
Dividend, Naumkeag National Bank, in liquidation, 



044 12 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



244,290 


28 


35 


88 


2,125 


96 


263 


17 


200,000 00 


1,200 00 


300 


00 



$3,518,259 41 
6,169,508 92 



Disbursements. 



Net amount paid policy holder's for fire losses, $896,648.57 

marine, $922,444.36, 

Expenses of adjustment and settlement of losses, 
Dividends to stockholders, .... 

Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance depa tment licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of bonds, 

Agents' balances charged off, . 



$9,687,768 


33 


$1,819,092 93 


32,502 


18 


300,000 00 


622,025 27 


8,705 


70 


76,558 86 


188,832 79 


21,007 


73 


20,850 


86 


10,413 


97 


1,423 


75 


4,268 


59 


3,942 


61 


23,818 24 


16,741 


59 


1,044 23 


3,541 


31 


649 04 


39,848 


19 


11,308 


80 


7,231 


72 


2,783 


10 


2,058 


83 



98 



BOSTON INSURANCE CO. 



Collateral loan and interest thereon charged off, 
Borrowed money repaid, ..... 

Interest on borrowed money, . 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, . 

Ledger Assets. 
Book value of real estate, . . . 

Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, .....:. 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . ' . 

Bills receivable, ....... 

Notes receivable, . . ' . 

Deposits with fire boards, ..... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages $4,625.45; bonds, $13,853.84; collateral 

$1,029.25, . . ... 

Market value of stocks and bonds over book value, . 
Due from other companies, . . . . . 



loans, 



Gross assets, 



$680 00 

200,000 00 

516 67 

15,021 68 

$3,434,868 64 

$6,252,899 69 

$34,000 00 

510,900 00 

56,100 00 

4,683,302 22 

10,473 90 

4,307 82 

352,553 33 

540,228 22 

60,174 20 

160 00 

700 00 

$6,252,899 69 



19,508 54 

236,004 98 

385 06 

),50S,798 27 



Assets not admitted. 



Agents' balances over three months due, . . $29,930 72 

Bills receivable, past due, taken for premiums, . 6,794 89 

Notes receivable, . . . . . 160 00 

Collateral loan disallowed, .... 2,500 00 

Mortgage loan in excess of appraisal, . . 1,000 00 

Due from "unauthorized companies, . . . 145 01 

Deposits with fire boards, .... 700 00 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $36,139.24 resisted, $490,852 97; less 

reinsurance, $83,324.44, . 
Unearned premiums on outstanding risks, 
Dividends declared and unpaid to stockholders, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, 



Total, 

Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 

Total liabilities, including surplus, 



$1,000,000 00 
2,871,561 29 



41,230 62 
>,467,567 65 



$407,528 53 

2,033,311 34 

50,000 00 

2,946 40 

72,721 04 | 

29,499 05 

. $2,596,006 36 



3,871,561 29 

$6,467,567 65 I 



BOSTON INSURANCE CO. 



99 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1910, 
Marine risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$337,342,322 00 
244,332,699 00 



$581,675,021 00 

219,893,371 00 

$361,781,650 00 

79,885,469 00 



Premiums. 

$,265,488 19 
2,417,139 43 

£5,682,627 62 
2,176,661 52 

£3,505,966 10 
792,040 25 



$281,896,181 00 $2,713,925 85 



$39,027,334 00 
154,870,743 00 

$193,898,077 00 
153,630,565 00 

$40,267,512 00 
2,088,056 00 



$1,156,341 47 

2,131,120 00 

$3,287,461 47 

2,017,712 16 

$1,269,749 31 

66,607 44 



,179,456 00 $1,203,141 87 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (30 per cent.), 

Par value of company's stock owned by directors, 



078,341 19 
31,191,784 44 
4,290,000 00 
952,809 19 
870,403 88 
300,000 00 
132,200 00 



Schedule A. Securities held as Collateral. 



70 shares Bangor & Aroostook R.R. Co. 
10 " Aroostook Construction Co., 
20 " Northern Telegraph Co., 
2,000 " Bangor Investment Co., 
4 Union Ins. Co., Bangor, . 

850 New River Co. preferred, 

100 " Jordan, Burnham Coal Co., 
Personal property, .... 

45 shares Atch., T. & S. Fe Ry. Co., pref 



Company's 
Market Value. 
17,000 00 
62,000 00 
2,000 00 
2,000 00 
1,000 00 
42,500 00 \ 
10,000 00 / 
3,000 00 
4,590 00 

$134,090 00 



Loaned 
Thereon. 



$20,000 00 

600 00 

30,000 00 

2,500 00 
3,000 00 

$56,100 00 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

500 shares Boston & Albany, .... $102,501 78 221 $110,500 00 

2,500 " Boston Elevated 316,951 79 130 325,000 00 

100 " Boston & Lowell, .... 16,412 50 220 22,000 00 

1,000 " Boston & Maine, ... . . 137,322 78 101 101,000 00 

.500 " Canadian Pacific 87,160 00 245 122,500 00 

400 " Chicago, Milwaukee & St. P., com., 45,024 29 109 43,600 00 

300 " Chicago, Milwaukee & St. P., pref., 40,085 63 145 43,500 00 

75 " Connecticut & Passumpsic R., pref.,. 10,338 25 146 10,950 00 

1,100 " Delaware & Hudson Co., . . 193,103 12 168 184,800 00 

250 " Fitchburg, preferred, . . . 20,808 38 126 31,500 00 

50 " Manchester & Lawrence, . . 12,582 50 225 11,250 00 



100 



BOSTON INSURANCE CO. 



1,700 shares New York Central & Hudson River, 



1,750 
100 
425 

5,000 
250 
200 



New York, New Haven & Hartford, 

Northern Pacific, . 

Old Colony, . 

Pennsylvania, 

Southern Pacific Co., 

Union Pacific, 



Bank Stocks. 
100 shares Brookline Trust Co., 
400 " First National, Boston, . 

Equity in 100 shares First Nat., Salem (in liq.), 
100 shares Mercantile National, Salem, 
500 " Merchants National, Boston, . 
100 " Merchants National, Salem, 
100 " Merchants National, Worcester, 
17 " National Grand, Marblehead, . 
150 " Shawmut National, Boston, 
300 " State National, Boston, . 

Equity in 50 shares Tremont Nat'l, Boston (in liq.) 

154 shares Webster & Atlas National, Boston, 
Miscellaneous Stocks. 

Atlantic Mutual Insurance Co. scrip, 1906, 
500 shares American Sugar Refining Co., pref., 

2,100 " American Telephone & Tel. Co., 
900 " Edison Electric Illuminating Co., 
100 " General Electric Co., 

3,585 " Old Colony Insurance Co., 
500 " Pullman Company, 

5 " Underwriters' Salvage Co., 
State and Municipal Bonds. 

Boston, Mass., tax exempt 4s, 1928, 

Boston, Mass., tax exempt 3|s, 1939, 

Boston, Mass., tax exempt 3§s, 1949, 

Fall River, Mass., 4s, 1916, 

Georgia 4£s, 1915, . 

Georgia 3 |s, 1918, . 

Georgia 3§s, 1920, . 

Georgia 3§s, 1928, . 

Massachusetts tax exempt 3^s, 1928-46, 
Railroad Bonds. 

Albany & Susquehanna 3£s, 1946, 

Atchison, Topeka & Santa Fe gen. 4s, 1995, 

Atchison, Topeka & Santa Fe adjufet. 4s, 1995, 

Boston Elevated 4s, 1935, 

Boston & Albany 4s, 1913, 

Boston & Lowell 4s, 1932, 

Boston & Maine 4s, 1926, 

Fitchburg 4s, 1925, . 

Fitchburg 4s, 1927, . 

Fitchburg 4|s, 1928, 

Illinois Central (Louisville Div.) 3fs, 1953, 

Maine Central 4s, 1914, . . . 

N. Y. C. & H. R. (Lake Shore col.) 3|s, 1998, 

N. Y., N. H. & H., convertible deb. 6s, 1948, 

Old Colony 4s, 1925, 

Old Colony 3|s, 1932, 

Oregon Short Line 6s, 1922, 

Oregon Short Line cons. 1st 5s, 1946, 

Southern Pacific Co. convertible 4s, 1929, 

Southern 4s, 1951, .... 

St. Louis & San Francisco gen. 5s, 1927, 

West End Street 4s, 1915, 

West End Street 4s, 1932, 

West Shore 4s, 2361, 

Wisconsin Central 4s, 1949, 

Miscellaneous Bonds. 
Booth Manufacturing Co. convertible 4|s, 1931, 
Mallory Steamship Co. 5s, 1932, 



Book Value. 
$199,195 93 

298,405 69 
13,812 50 
77,937 51 

312,670 99 
30,668 75 
35,550 00 

10,000 00 
79,913 00 

5,793 13 
12,285 37 
87,769 13 

6,822 75 
15,000 00 

2,040 00 

9,950 00 
39,886 08 

2,556 50 
21,108 50 

220 00 

62,239 01 

244,951 01 

201,120 00 

15,412 50 

815,713 30 

33,011 25 

500 00 

52,875 00 
9,987 50 

76,903 75 

25,187 50 
5,700 00 
1,067 50 
3,232 50 
1,102 50 

89,800 10 

10,164 80 
39,676 07 
21,931 36 
50,000 00 
49,625 00 
25,500 00 
48,375 00 
51,125 00 
10,687 50 
53,312 50 
23,750 00 
49,687 50 
44,550 00 
41,703 80 
16,462 50 
32,725 00 
10,000 00 
600 00 
7,654 87 
2,510 22 
22,437 50 
25,000 00 
25,000 00 
5,175 00 
11,718 33 

25,000 00 
96,250 00 

$4,683,302 22 



Rate. 

109 

137 

118 

187 

123 

113 

174 

200 
445 
5 
116 
283 
170 
190 
115 
415 
178 

180 

106 
118 
140 
294 
156 
200 
159 
125 

105 
98 
97 

101 

102 
98 
97 
95 

100 

91 
99 
91 
95 
99 
98 
96 
98 
98 

103 
85 
99 
81 

132 
99 
92 

114 

111 
97 
88 
88 
99 
97 
101 
93 

100 
92 



Market Value. 

$185,300 00 

239,750 00 

11,800 00 

79,475 00 

307,500 00 

28,250 00 

34,800 00 

20,000 00 

178,000 00 

500 00 

11,600 00 

141,500 00 

8,500 00 

19,000 00 

1,955 00 

62,250 00 

53,400 00 

27,720 00 

233 20 

59,000 00 

294,000 00 

264,600 00 

15,600 00 

717,000 00 

79,500 00 

625 00 

52,500 00 

9,800 00 

74,690 00 

25,250 00 

5,100 00 

980 00 

2,910 00 

950 00 

88,000 00 



9,100 
55,440 
27,300 
47,500 
49,500 
24,500 
48,000 
49,000 

9,800 
51,500 
21,250 
49,500 
40,500 
55,044 
14,850 
32,200 
11,400 
555 

7,760 

1,760 
22,000 
24,750 
24,250 

5,050 
11,160 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



25,000 00 
92,000 00 

$4,910,307 20 



MASSACHUSETTS FIRE AND MARINE INSURANCE CO. 



101 



MASSACHUSETTS FIRE AND MARINE INSURANCE COMPANY, 

BOSTON. 

Incorporated March 3, 1910. Commenced business June 18, 1910. 

Cash Capital, £500,000. 

EVERETT C. BENTON, President. WALTER ADLARD, Secretary. 

Home Office, 95 Water Street. 

Income. 

Net fire premiums, 1373,345.24; marine, $20,397.52, . . . $393,742 76 
Gross interest on stocks and bonds, $32,297.72; bank deposits, 

$4,818.76, 37,116 48 

Gross profit on sale of stocks, ...... 6,812 34 

Gross increase in book value of bonds, . . . ... 760 60 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, $128,491.89 

marine, $816.44, 

Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate leased, 
State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of stocks and bonds, 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Cash in office, . . 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 



$438,432 18 
1,057,939 34 



$1,496,371 


52 


$129,308 33 


1,246 44 


93,345 


24 


533 


60 


15,868 


06 


27,312 


90 


5,336 


38 


7,108 79 


2,515 


32 


841 


20 


5,362 


14 


1,461 


47 


3,740 


98 


1,786 


55 


3,079 


19 


1,876 43 


1,643 


60 


643 


92 


263 


51 


767 


48 


1,379 47 


$305,421 


00 


$1,190,950 52 


$933,361 21 


1,274 80 


183,681 


13 


72,633 


38 


$1,190,950 52 



102 



MASSACHUSETTS FIKE AND MAEINE INSURANCE CO. 



Non- Ledger Assets. 
Interest accrued on : — 
Bonds, $8,053.41; other assets, $176.34, . 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ...... 

Liabilities. 
Unpaid losses, $39,668.12; less reinsurance, $11,329.99, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Interest paid in advance, . . 

Total, 

Cash capital, $500,000 00 

Surplus over all liabilities, . . . . 412,247 40 
Surplus to policy holders, .... 

Total liabilities, including surplus, ..... 

Risks and Premiums. 

Risks. 

Fire risks in force Dec. 31, 1910, . $16,708,277 00 

Fire risks written during the year, 



$8,229 75 
21,382 79 

$1,220,563 06 



982 34 
1,219,580 72 

$28,338 13 

270,823 56 

2,207 29 

5,426 15 

538 19 

$307,333 32 

912,247 40 
1,219,580 72 



Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks written during the year, 
Expired and terminated, 

In force at end of year, . . 
Deduct amount reinsured, 

Net amount in force, 



47,522,823 00 

$64,231,100 00 
18,339,433 00 

$45,891,667 00 
4,914,757 00 



Premiums. 

$159,922 88 
475,888 82 

$635,811 70 
175,481 83 

$460,329 87 
43,658 47 



$40,976,910 00 $416,671 40 



$920,194 00 
182,826 00 

$737,368 00 
200,855 00 



$28,433 85 
2,056 14 

$26,377 71 
6,527 99 



$536,513 00 $19,849 72 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Par value of company's stock owned by directors, 



$541,872 86 

137,120 83 

145,968 24 

3,142 52 

75,000 00 



Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

150 shares Fitchburg, preferred, . . . $19,048 75 126 $18,900 00 

62 " Old Colony, 11,594 99 187 11,594 00 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



Bank Stocks. 
100 shares First National, Boston, 
100 " Merchants National, Worcester, 
100 " Old Colony Trust Co., Boston, . 

Miscellaneous Stocks. 
100 shares American Tel. & Tel. Co., 
5 " Underwriters' Salvage Co., N. Y., 
Government Bonds. 

United States 4s, 1925 

State and Municipal Bonds. 
Boston, Mass., tax exempt 3|s, 1939, 
Boston, Mass., tax exempt 3fs, 1949, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1912-13, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1914-18, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1919-24, 
Greenfield, Mass., Fire Dist., tax ex. 4s, 1925-30, 
Holyoke, Mass., tax ex. 4s, 1933-35, . 
Lowell, Mass., tax exempt 4s, 1912, . 
Lowell, Mass., tax exempt 4s, 1913-15, 
Lowell, Mass., tax exempt 4s, 1916, . 
Massachusetts tax exempt 3^s, 1922-28, 
Massachusetts tax exempt 3s, 1936, . 
Massachusetts tax exempt 3|s, 1937-48, 
Massachusetts tax exempt 3s, 1949, . 
Methuen, Mass., tax exempt 4s, 1924-27, 
Methuen, Mass., tax exempt 4s, 1928-30, 
New Bedford, Mass., tax exempt 4s, 1924, 
New Bedford, Mass., tax exempt 4s, 1925-27, 
North Attleboro, Mass., tax exempt 4s, 1937-39, 
Wayland, Mass., tax exempt 4s, 1912-13, . 
Wayland, Mass., tax exempt 4s, 1914-18, . 
Wayland, Mass., tax exempt 4s, 1919-24, . 
Waj r land, Mass., tax exempt 4s, 1925-30, . 

Railroad Bonds. 
Boston Terminal Co. 3£s, 1947, 
Detroit R. Tun. Co. (Det, Ter. & Tun.) lst4Js, 1961, 
Oregon-Wash. R.R. & Nav. Co. 4s, 1961, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Columbus Electric Co., Ga., 5s, 1914, 
Massachusetts Gas Co. 4^s, 1931, 
Pacific Coast Power Co. 5s, 1912, 



Book Value. 

$40,000 00 

17,500 00 

34,500 00 

13,525 00 
950 00 

11,568 50 

143,285 00 

47,510 00 

6,171 60 

15,429 00 

18,514 80 

18,514 80 

17,635 70 

3,000 00 

25,497 56 

9,890 16 

13,836 50 

3,542 80 

138,054 30 

34,380 00 

11,263 20 

9,252 00 

12,288 00 

30,811 50 

16,592 80 

2,576 25 

7,728 75 

7,728 75 

6,183 00 

49,937 50 
20,000 00 
18,550 00 

22,500 00 

24,500 00 

24,500 00 

25,000 00 



,361 21 



Rate. 
445 
190 
380 

140 
125 

113 

98 

97 
100 
101 
102 
103 
108 
100 
101 
102 
100 

92 
100 

90 
104 
105 
104 
105 
106 
100 
101 
102 
103 

99 

100 

93 

90 

98 

99 

100 



103 



Market Value. 

$44,500 00 

19,000 00 

38,000 00 

14,000 00 
625 00 

11,300 00 

147,000 00 

48,500 00 

6,000 00 

15,150 00 

18,360 00 

18,540 00 

18,360 00 

3,000 00 

25,654 00 

9,996 00 

14,000 00 

3,680 00 

142,000 00 

36,000 00 

11,440 00 

9,450 00 

12,480 00 

31,500 00 

16,960 00 

2,500 00 

7,575 00 

7,650 00 

6,180 00 

49,500 00 
20,000 00 
18,600 00 

22,500 00 
24,500 00 
24,750 00 
25,000 00 

$954,744 00 



MERCANTILE FIRE AND MARINE INSURANCE COMPANY, BOSTON. 

Incorporated Feb. 11, 1823. Commenced business May, 1823. • 

Paid-up Capital, $200,000. 
EDWARD T. CAMPBELL, President. JAMES SIMPSON, Secretary. 

Office, 47 Kilby Street. . 

Income. 
Net fire premiums, 



Gross interest on mortgages, $2,837.74; stocks and bonds, 

I $12,776.66; bank deposits, $482.93, 

Dividend, National Suffolk Bank, in liquidation, 

Profits from general agency, ....... 

Total income, . . ' . . 

| Ledger assets, Dec. 31, 1910, ....... 



$298,774 15 

16,097 33 

14 88 

25,876 87 

$340,763 23 
487,150 44 



Total, 



$827,913 67 



104 



MEKCANTILE FIRE AND MARINE INSURANCE CO. 



Disbursements. 

Net amount paid policy holders for fire losses, .... $158,281 22 

Expenses of adjustment and settlement of losses, . . . 2,380 27 

Commissions or brokerage, ....... 63,139 88 

Agency expenses, 1,159 18 

Salaries and expenses of special and general agents, . . . 19,036 16 

Salaries, fees, etc., of officers and employees, .... 31,915 46 

Rents, 7,481 70 

Advertising, printing and stationery, . . . . . 4,074 18 

Postage, telegrams, telephone and express, .... 4,522 13 

Legal expenses, ......... 74 49 

Furniture and fixtures, ........ 588 38 

Maps, including corrections, ....... 1,371 52 

Underwriters' boards and tariff associations, .... 3,14608 

Fire department, patrol and salvage corps fees and taxes, . . 1,139 47 

Inspections and surveys, . . . . . . . 2,768 03 

State taxes on premiums, ....... 5,181 15 

Insurance department licenses and fees, ..... 2,483 05 

Other licenses, fees and taxes, ...... 1,077 83 

All other disbursements, ....... 1,224 25 

Total disbursements, $311,044 43 

Balance, . $516,869 24 

Ledger Assets. 

Mortgage loans on real estate, ...... $67,800 00 

Book value of stocks and bonds (schedule A), . . . . 371,212 25 

Cash in office, . 844 01 

Deposits in trust companies and banks on interest, . . . 29,663 38 

Agents' balances, 47,349 60 

Total ledger assets, $516,869 24 

Non-Ledger Assets. 

Interest accrued on: — 

Mortgages, $568.43; bonds, $4,487.44, . . . . . 5,055 87 

Market value of stocks and bonds over book value, . . . 2,907 75 

Due from general agency, . . . . . . . 271 60 

Gross assets, $525,104 46 

Assets not admitted. 

Agents' balances over three months due, ..... 869 62 

Admitted assets, $524,234 84 

Liabilities. 

Unpaid losses, including $8,705.88 resisted, $56,536.43; less rein- 
surance, $19,498.49, . . . ' $37,037 94 

Unearned premiums on outstanding risks, . . . . 201,515 06 

Salaries, expenses and accounts, due or accrued, . . . 2,351 41 

Commissions and other charges due agents and brokers, . . 2,125 00 

Federal, state and other taxes, due or accrued, . . . . 4,561 30 



Total, 



$247,590 71 



MERCANTILE FIRE AND MARINE INSURANCE CO. 



105 



Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 



$200,000 00 
76,644 13 



Total liabilities, including surplus, ..... 

Risks and Premiums. 

Risks. 

$57,566,263 00 
36,311,947 00 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$276,644 13 
$524,234 84 



Premiums. 

$708,520 05 
482,456 73 



$93,878,210 00 $1,190,976 78 
37,273,822 00 506,216 09 



,604,388 00 $684,760 69 
27,807,562 00 330,596 97 



$28,796,826 00 $354,163 72 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 



$14,978,083 00 

9,654,745 00 

2,456,720 00 

100,000 00 

163,575 42 

26,700 00 



Schedule A. Stocks and Bonds owned by the Company. 



Bank Stocks. 
120 shares Union National, Boston, . 

State and Municipal Bonds. 
Boston, Mass., tax exempt 4s, 1925, 
Boston, Mass., tax exempt 4s, 1917-19, 
Boston, Mass., tax exempt 3|s, 1949, 
Boston, Mass., tax exempt 4s, 1920, 
Brookline, Mass., tax exempt 3|s, 1928, 
Cambridge, Mass., 4s, 1912, 
Cambridge, Mass., tax exempt 4s, 1930, 
Everett, Mass., tax exempt 4s, 1917, 
Massachusetts tax exempt 3Js, 1946-50, 
New Bedford, Mass., 4s, 1915, 
New York, N. Y., 4is, 1957, . 
Worcester, Mass., tax exempt 3|s, 1929, 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Boston & Albany 4s, 1913, .♦ 
Boston Elevated 4£s, 1937, 
Boston & Lowell 4s, 1913, 
Boston & Maine 4s, 1926, 
Boston & New York Air Line 1st 4s, 1955, 
Boston Terminal 3|s, 1947, 
Concord & Montreal 1st 4s, 1920, 
Chicago & No. Western 3Js, 1987, . 
Cleveland Terminal & Valley 1st 4s, 1995, 
Delaware & Hudson Co. 1st 4s, 1943, 
Lake Shore & Mich. Southern 4s, 1928, 
N. Y. Central deb. 4s, 1934, . 
N. Y. Central 3|s, 1997, 
N. Y., N. H. & Hartford deb. 3£s, 1947, 
Oregon- Wash. By. & Nav. Co. 4s, 1946, 

Miscellaneous Bonds. 
American Telephone & Telegraph Co. 4s, 1929, . 



Book Value. 
$12,000 00 

10,479 00 
25,576 00 
15,693 75 

5,169 00 
10,169 

5,000 
15,312 

5,163 
52,118 75 

5,025 00 

5,300 00 
10,225 00 



00 
00 
00 
50 



9,337 50 
10,000 00 
15,192 50 

5,000 

9,650 

5,075 
41,700 
10,050 00 

7,450 00 

4,775 
10,200 

4,900 

7,052 
12,975 
17,323 75 

9,800 00 



00 
00 
00 
00 



00 
00 
00 
50 
00 



13,500 00 
$371,212 25 



Rate. 
208 

104 
102 

97 
103 
100 
100 
107 
101 
100 
100 
108 

99 

99 
99 
102 
100 
96 
99 
99 
99 
87 
94 
99 
94 
93 
88 
82 
96 

90 



Market Value. 
$24,960 00 

10,400 00 
25,500 00 
14,550 00 

5,150 00 
10,000 00 

5,000 00 
16,050 00 

5,050 00 
50,000 

5,000 

5,400 

9,900 



00 
00 
00 
00 



9,900 00 
9,900 00 

15,300 00 
5,000 00 
9,600 00 
4,950 00 

39,600 00 
9,900 00 
6,960 00 
4,700 00 
9,900 00 
4,700 00 
6,510 00 

13,200 00 

13,940 00 
9,600 00 

13,500 00 

$374,120 00 



106 



OLD COLONY INSUKANCE CO. 



OLD COLONY INSURANCE COMPANY, BOSTON. 

Incorporated June 2, 1908. Commenced business June 7, 1906. 

Paid-up Capital, $400,000. 

RANSOM B. FULLER, President. CHARLES D. HODGES, Secretary. 

Office, 137 Milk Street. 



Income. 

Net fire premiums, $403,596.68; marine, $118,296.52, 

Gross interest on mortgages, $2,312.50; stocks and bonds, 

$34,070; bank deposits, $1,204.73; all other, $3.15, 
Gross profit on sale of stocks, ...... 

Sale of rights, 

Contribution to surplus by stockholders, ..... 

Agents' balances previously charged off, ..... 

Total income, ........ 

Ledger assets, Dec. 31, 1910, ....... 



Total, 



Disbursements. 



xes, 



Net amount paid policy holders for fire losses, $268,874.30 

marine, $48,781.39, 

Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Agenc}/ - expenses, ...... 

Expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, . ... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and ta 

Inspections and surveys, .... 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale of real estate, 

Agents' balances charged off, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, . 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 



$521,893 20 

37,590 38 

1,200 00 

3,825 00 

300,000 00 

6 10 

$864,514 68 
872,891 20 



$1,737,405 88 


$317,655 69 


5,686 15 


117,607 68 


2,200 75 


8,001 86 


17,687 81 


500 04 


3,976 64 


728 16 


327 08 


25 19 


53 70 


3,157 81 


5,624 66 


3,566 80 


153 82 


6,762 02 


5,016 96 


1,062 12 


539 53 


239 84 


800 41 


$501,374 72 


$1,236,031 16 


$60,000 00 


1,033,501 51 


9,479 78 



OLD COLONY INSURANCE CO. 



107 



Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Deposits with fire boards, . . . . 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $60; bonds, $3,075, 

Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of stocks and bonds over market value, 
Deposits with fire boards, 



$56,819 16 

76,030 71 

200 00 

$1,236,031 16 



3,135 00 

$1,239,166 16 



$258 25 

11,486 51 

200 00 



Admitted assets, ...... 

Liabilities. 
Unpaid losses, including $4,009.30 resisted, $78,443.21 

reinsurance, $17,267.70, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, . 
Due for reinsurance, ...... 



less 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . — 

Total liabilities, including surplus, 

Risks and Premiums. 



$400,000 00 
402,563 34 



11,944 76 

m 

$1,227,221 40 



$61,175 51 
352,318 86 

267 68 

■ 7,147 84 

3,267 98 

480 19 

$424,658 06 



802,563 34 
$1,227,221 40 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks in force Dec. 31, 1910, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$73,244,977 00 
65,303,827 00 

$138,548,804 00 
61,744 306 00 

$76,804,498 00 
18,667,411 00 



Premiums. 

$830,398 49 
687,017 28 

1,517,415 77 
699,338 08 

$818,077 69 
224,399 85 



$58,137,087 00 $593,677 84 



$2,872,642 00 
9,175,432 00 



$12,048,074 00 
6,957,128 00 

$5,090,946 00 
1,866,426 00 



),937 13 
220,547 25 

$297,484 38 
145,694 59 

$151,789 79 
53,079 67 



$3,224,520 00 $98,710 12 



108 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds owned by the 



500 
300 
200 
500 
200 
1,200 

117 

100 

50 



Railroad Stocks. 
shares Boston Elevated Railway, 

" Boston & Maine Railroad, 

" Delaware & Hudson, 

" New York, New Haven & Hartford 

" Old Colony Railroad, 

"m Pennsylvania Railroad, 
Bank Stocks. 
shares First National, Boston, 

" Merchants National, Worcester, 

" National Shawmut, Boston, . 



Miscellaneous Stocks. 
1,000 shares American Telephone & Tel. Co., 
300 " Edison Electric Illuminating Co. 

100 " Pullman Co 

Municipal Bonds. 
Boston, Mass., 3Js, 1925, 
Boston, Mass., tax exempt 3|s, 1929, 
Springfield, Mass., tax exempt 3|s, 1934-35, 

Railroad Bonds. 
New York, New Haven & Hartford 4s, 1956, 



Book Value. 
,161 25 
41,615 
33,037 
75,037 
37,075 
72,750 



50 
50 
50 
00 
00 



49,754 75 

15,800 00 

20,050 00 

134,475 06 

75,217 25 

16,200 00 

99,250 00 

206,250 00 

42,077 70 

50,750 00 

$1,033,501 51 



$2,353,439 71 

1,226,411 45 

48,000 00 

273,223 65 

57,619 39 

22,400 00 



Company. 

Rate. Market Value. 

130 $65,000 00 

101 30,300 00 

168 33,600 00 

137 68,500 00 

187 37,400 00 

123 73,800 00 



445 
190 
415 

140 
294 
159 

95 

98 

100 

93 



52,065 00 
19,000 00 
20,750 00 

140,000 00 
88,200 00 
15,900 00 

95,000 00 

196,000 00 

40,000 00 

46,500 00 
$1,022,015 00 



SPRINGFIELD FIRE AND MARINE INSURANCE COMPANY, 

SPRINGFIELD. 

Incorporated 1849. Commenced business 1851. 
Paid-up Capital, $2,000,000. 
A. W. DAMON, President. W. J. MACKAY, Secretary. 

Office, 195 State Street. 



Income. 

Net fire premiums, '. . 

Gross interest on mortgages, $61,320.88; collaterals, $383.32 
stocks and bonds, $331,532.22; bank deposits, $3,220.23 
gross rents, for company's own occupancy, $15,000, 

Recovered on real estate previously charged off, 

Agents' balances previously charged off, .... 

Sale of rights, ........ 

Dividends from banks in liquidation, .... 

Total income, ....... 

Ledger assets, Dec. 31, 1910, ...... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 



$5,244,628 40 



411,456 65 

300 00 

2,191 33 

6,562 80 

6,409 60 

$5,671,548 78 
9,331,701 72 

$15,003,250 50 



$3,010,876 02 
38,782 43 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



109 



Dividends to stockholders, ..... 

Commissions or brokerage, ..... 

Agency expenses, . . . . . . • . 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $15,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Gross loss on sale of stocks, 

Gross decrease in book value of stocks, 

Agents' balances charged off, . 

Interest on Munich Reinsurance Fund, 

All other disbursements, 

Total disbursements, ..... 

Balance, 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . . 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $31,311.36; bonds, $18,423.28, 
Market value of stocks and bonds over book value, . 

Gross assets, ....... 

Assets not admitted. 
Agents' balances over three months due, . . . $7,462 55 

Special deposits less $143,520.31 liability thereon, . 41,179 69 



$200,000 00 

993,406 76 

32,233 05 

286,869 34 

300,591 30 

31,900 08 

72,725 96 

24,968 65 

6,143 75 

5,243 79 

16,871 77 

53,057 71 

34,985 30 

37,017 74 

960 49 

4,644 75 

86,025 57 

24,326 79 

23,748 17 

1,418 50 

9,062 80 

1,796 03 

9,278 40 

11,875 82 

$5,318,810 97 

$9,684,439 53 



$300,000 00 

1,440,595 00 

6,544,441 47 

877 71 

376,796 88 

134,899 87 

886,828 60 

$,684,439 53 



49,734 64 
681,136 03 

$10,415,310 20 



48,642 24 



Admitted assets, 



.$10,366,667 96 



Unpaid losses, including 
reinsurance, $85,897.23, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 



Liabilities. 
,747.60 resisted, $537,112.87; less 



$451,215 64 

4,790,798 40 

8,526 76 



110 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Federal, state and other taxes, due or accrued, 
Munich Reinsurance Fund, .... 
Interest accrued on Munich Reinsurance Fund, 

Total, 

Cash capital, ..... 

Surplus over all liabilities, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 

Risks and Premiums. 



$2,000,000 00 
2,829,527 92 



$50,000 00 

231,960 04 

4,639 20 

>,537,140 04 



4,829,527 92 
$10,366,667 96 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$847,296,982 00 $9,781,533 90 
607,828,011 00 7,141,174 76 



$1,455,124,993 00$16,922,708 66 
. 551,651,339 00 6,642,785 05 



$903,473,654 00$10,279,923 61 
90,041,195 00 1,038,592 22 



$813,432,459 00 $9,241,331 39 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



$92,139,758 65 

52,638,133 78 

6,154,542 00 

1,500,000 00 

3,006,021 46 

200,000 00 

99,200 00 



Schedule A. Stocks and Bonds owned by the Company. 



500 

500 
1,000 

600 
1,000 
2,000 
1,250 

400 
1,000 
1,050 
1,150 
1,500 
6,000 
1,000 
6,000 
1,000 

500 
1,000 

150 
250 
300 
300 
100 
750 
99 
350 
100 



Railroad Stocks. 

shares Atch., Topeka & Santa Fe, com., 

" Atch., Topeka & Santa Fe, pref., 

" Baltimore & Ohio, 

" Canadian Pacific, 

" Chic, Milwaukee & St. Paul, com., 

" Chic, Milwaukee & St. Paul, pref., 

" Chicago & Northwestern, 

" Connecticut River, 

" Oreat Northern, preferred, 

" Holyoke Street, 

" Illinois Central, 

" Manhattan, 

" New York, New Haven & Hartford 

" Northern Pacific, . 

" Pennsylvania, 

11 Southern Pacific Co., 

" Southern, preferred, 

" Union Pacific Railroad, 
Bank Stocks. 

shares Boylston National, Boston, . 

" Chapin National, Springfield, 

" Chicopee National, Springfield, 

" City National, Holyoke, 

" Eliot National, Boston, 

" First National, Boston, 

" First National, Northampton, 

" Fourth National, New York, 

" Holyoke .National, 



Book Value. 
$49,486 25 

49,330 83 
104,375 00 
105,287 50 
115,378 31 
247,171 88 
162,575 00 

98,800 00 
122,050 00 
157,078 75 
133,806 28 
232,262 50 
972,933 87 
135,955 50 
350,316 34 

99,712 35 

47,200 00 
114,254 40 

21,238 00 
31,302 50 
41,694 00 
33,328 75 
10,490 75 
232,900 00 
14,041 50 
53,918 25 
15,800 00 



Rate. 
107 
104 
103 
245 
109 
145 
145 
271 
127 
188 
140 
136 
137 
118 
123 
113 
72 
174 

104 
107 
1S5 
113 
225 
445 
135 
203 
193 



Market Value. 
$53,500 00 

52,000 00 
103,000 00 
147,000 00 
109,000 00 
290,000 00 
181,250 00 
108,400 00 
127,000 00 
197,400 00 
161,000 00 
204,000 00 
822,000 00 
118,000 00 
369,000 00 
133,000 00 

36,000 00 
174,000 00 

15,600 00 
26,750 00 
55,500 00 
33,900 00 
22,500 00 
333,750 00 
13,365 00 
71,050 00 
19,300 00 



SPRINGFIELD FIRE AND MARINE INSURANCE CO. 



Ill 



150 shares Merchants National, Boston, 
500 " Merchants National, Worcester, 
400 " Nat. Bank of Commerce, Boston, 
300 " Nat. Bank of Com., New York, 
600 " Nat. Shawmut Bank, Boston, 
122 " Northampton Nat. Bank, 
100 " Old Boston Nat., Boston, 
240 " Old Colony Trust Co., Boston, 
500 " Second National, Boston, 
200 " Springfield National, 
500 " Third National, Springfield, . 
100 " Webster & Atlas Nat., Boston, 

Miscellaneous Stocks. 
500 shares American Express Co., . 
600 " American Tel. & Tel. Co., 
100 " Chicopee Gas Light Co., 
435 " Fitchburg Gas & Electric Light Co. 
100 " Holyoke Water Power Co., . 
200 " Lynn Gas & Electric Co., 

1,000 " Mass. Gas Companies, pref., . 

1,050 " N. E. Invest. & Security Co., pref. 

1,250 " No. Boston Lighting prop., com., 

2,200 " No. Boston Lighting prop., pref., 
900 " Pullman Company, 
160 " Salem Gas Light Co., . 
300 " Springfield Gas Lt. Co., 
10 " Underwriters Salvage Co., Chicago, 
10 " Underwriters Salvage Co., New York, 
240 " United Elec. Light Co., Springfield, 
State, County and Municipal Bonds. 

Georgia 4§s, 1915, .... 

Montreal (Can.) Protes'nt Bd. School Com 'rs 4s, 
1938-48, 

New York, N. Y., 4§s, 1957, . 

Nova Scotia, Canada, 4fs, 1915, 

Outremont, Quebec, School 4fs, 1950, 

Port of Portland, Ore., Dry Dock 4s, 1933, 

Richmond, Virginia, 4s, 1938-40, 

Valencia County, New Mexico, 5s, 1932, 

Westmount, Quebec, 4fs, 1947, 

Winnipeg, Manitoba, 4s, 1925, 

Winnipeg, Manitoba, Water Works, deb. 4s, 1934, 

Winston, N. C, 4Js, 1940-41, .... 

Railroad Bonds. 
N. Y., N. H. & Hartford conv. deb. 6s, 1948, . 
Peoria Ry. First & Refunding 5s, 1925, 
Southern Pac. conv. 4s, 1929, .... 

Miscellaneous Bonds. 
Am. Writing Paper Co., Holyoke, 5s, 1919, 
Cal. Gas & Elec. Corp. unify, and refund. 5s, 1937, 
Cent. Union Tel. Co. 5s, 1919, .... 
West. United Gas & Elec. Co. 5s, 1940-44, 



00 
13 
13 
00 



Book Value. 

§20,083 00 
81,275 
60,262 
48,380 

147,877 
22,912 00 
12,216 25 
80,000 00 

107,945 00 
39,070 00 
90,042 50 
13,056 00 

101,487 50 
73,950 00 
11,000 00 
52,655 00 
28,055 00 
86,600 00 
86,000 00 

101,412 50 

275,265 73 
66,160 35 
35,200 00 
71,076 43 
1,000 00 
1,000 00 
62,098 00 

11,425 00 

48,421 25 
102,875 00 
25,375 00 
15,277 50 
50,000 00 
58,300 00 
10,550 00 
35,262 50 
53,380 50 
4,793 75 
30,080 00 

150,000 00 
96.000 00 
48,345 37 

81,331 57 
95,500 00 
49,750 00 
49,000 00 

),544,441 47 



Rate. 

283 

190 

185 

200 

415 

200 

126 

380 

270 

209 

228 

180 

214 

140 
110 
255 
388 
425 
95 
96 
34 
132 
159 
220 
285 
100 
125 
265 

102 

98 

108 

102 

102 

97 

97 

105 

105 

97 

96 

100 

132 

98 

97 

89 
94 
99 

98 



Market Value. 

$42,450 00 
95,000 00 
74,000 00 
60,000 00 

249,000 00 
24,400 00 
12,600 00 
91,200 00 

135,000 00 
41,800 00 

114,000 00 
18,000 00 

107,000 00 
84,000 00 
11,000 00 
55,462 50 
38,800 00 
85,000 00 
95,000 00 

100,800 00 
42,500 00 

290,400 00 

143,100 00 

35,200 00 

85,500 00 

1,000 00 

1,250 00 

63,600 00 

10,200 00 

49,000 00 
108,000 00 
25,500 00 
15,300 00 
48,500 00 
53,350 00 
10,500 00 
36,750 00 
53,350 00 
4,800 00 
30,000 00 

198,000 00 
98,000 00 
48,500 00 

89,000 00 
94,000 00 
49,500 00 
49,000 00 

$7,225,577 50 



112 



iETNA INSURANCE CO. 



FIRE, MARINE AND FIRE-MARINE INSURANCE COMPANIES 

OF OTHER STATES, 



.ETNA INSURANCE COMPANY, HARTFORD, CONN. 

Incorporated June, 1819. Commenced business Aug. 17, 1819. 
Paid-up Capital, $5,000,000. 
WM. B. CLARK, President. HENRY E. REES, Secretary 

Home Office, 670 Main Street. 

Income. 
Net fire premiums, $7,767,706.01; marine, $1,134,157.33, . 



Deposit premiums on perpetual risks, 

Gross interest on stocks and bonds, $813,929.10*; bank deposits, 

$24,642.86; all other, $650.91; gross rents, including $25,000 

for company's own occupancy, $25,250, 
Agents' balances previously charged off, . . . • . 
Conscience money, ........ 

Increase in reserve on account of reinsurance treaties, 

Total income, ........ 

Ledger assets, Dec. 31, 1910, ....... 



,901,863 34 
6,803 49 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, $4,093,857.98 

marine, $501,405.23, 

Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ...... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $25,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Deposit premiums returned, . 



864,472 87 

84 81 

2,416 00 

32,428 55 

$9,808,069 06 
19,442,301 32 

$29,250,370 38 



^4,595,263 21 

45,741 25 

1,704,893 47 

311,042 12 

365,287 51 
49,385 67 
97,478 09 
62,264 73 
9,177 40 
19,849 69 
16,749 63 
87,595 27 
14,274 06 
56,966 24 
10,115 57 
10,119 50 

129,713 49 
27,959 13 

215,791 89 
2.632 52 



* Includes interest not due until Jan. 1, 1912. 



.ETNA INSURANCE CO. 



113 



Dividends to stockholders, 

Agents' balances charged off, . 

Gross loss on sale or maturity of bonds, 

Interest on reinsurance reserve, 

All other disbursements, 

Total disbursements, 



Balance, 



Ledger Assets. 



Book value of real estate, . 

Book value of stocks and bonds (schedule A), . 

Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest accrued on: — 
Bonds, $88,189.72; other assets, $541.31, . 
Market value of stocks and bonds over book value, . 



Gross assets,* . . . . 

Assets not admitted. 

i Agents' balances over three months due, . 
Book value of real estate over market value, 
Special deposits less $200,394.85 liability thereon, 



$800,000 00 

501 25 

27,595 92 

18,778 74 

37,350 69 

$8,716,527 04 

$20,533,843 34 



$588,207 93 

16,785,333 60 

3,892 85 

62,860 14 

1,540,714 32 

1,552,834 50 

$20,533,843 34 



88,731 03 
. 1,583,649 07 

. $22,206,223 44 



$5,103 70 

213,207 93 

56,060 22 



Admitted assets, 

Liabilities. 

Unpaid losses, including $45,319 resisted, $856,635.35; less rein- 
surance, $227,258.82, . . 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Reserve on account of reinsurance treaty, 



274,371 85 
$21,931,851 59 



Total, . . * . 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$5,000,000 00 
7,575,759 66 



$629,376 53 

7,988,748 83 

105,028 61 

1,000 00 

150,000 00 

481,937 96 

£9,356,091 93 



12,575,759 66 
$21,931,851 59 



* The company holds also instalment premium notes to the amount of $109,346.63, which do not enter 
nto or form any part of the assets of the company, as no portion of them is earned. Whatever value is 
ittached to them would necessarily be counterbalanced by the addition of an amount exactly equal to 
he reinsurance liability, the entire sum consisting of "unearned premiums." 



114 



-ffllTNA INSURANCE CO. 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks and Premiums. 

Risks. Premiums. 

$1,287,673,974 00 $15,028,685 21 
864,740,143 00 10,354,484 81 



5,152,414,117 00 $25,383,170 02 
778,774,511 00 9,564,704 11 



$1,373,639,606 00 $15,818,465 91 
142,461,104 00 1,700,305 92 



Net amount in force, . .' . $1,231,178,502 00 $14,118,159 99 
Perpetual risks in force (not included above), . $4,740,884 00 $110,556 43 



Marine risks in force Dec. 31, 1910, 
Marine risks written during the year, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



$31,403,826 00 

216,761,736 00 

$248,165,562 00 

199,402,429 00 



,763,133 00 
2,996,300 00 



$779,133 09 

1,837,584 03 , 

$2,616,717 12 
1,375,650 61 

$1,241,066 51 
89,500 47 



$45,766,833 00 $1,151,566 04 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, . 

Dividends declared during the year (16 per cent.), 

Par value of company's stock owned by directors, 



$247,218,929 18 
128,003,578 89 
33,601,365 00 
2,805,000 00 
4,070,833 59 
498,501 23 ! 
800,000 00 I 
247,000 00 



Schedule A. Stocks and Bonds owned by the Company. 



500 

300 

300 

182 

1,500 

600 

400 

600 

1,000 

1,000 

300 

300 

300 

500 

500 

400 

181 

100 

450 

1,000 

1,800 

500 

350 

4,813 

900 



Railroad Stocks. 
shares Albany & Susquehanna, 

" Allegheny & Western, . 

" Baltimore & Ohio, pref., 

" Baltimore & Ohio, common, . 

" Chicago, Mil. & St. Paul, preferred 

" Chicago, Mil. & St. Paul, common, 

" Chicago & Northwestern preferred, 

" Chicago & Northwestern common, 

" Cleveland & Pittsburgh, 

" Cleve., Cin., Chic, & St. L., pref. 

" Connecticut River, 

" Dayton & Michigan, preferred, 

" Delaware & Bound Brook, 

" Fort Wayne & Jackson, preferred, 

" Georgia Railroad & Banking Co., 

" Illinois Central, . 

" Illinois Southern, . 

" Joliet & Chicago, . 

" Kalamazoo, Allegan & G. Rapids, 

" Morris & Essex, . 

" New York Cent. & Hudson River, 

" New York & Harlem, 

" New York, Lackawanna & Western 

" N. Y., N. H. & Hartford, 

" Oswego & Syracuse, 



Book Value. 

$46,662 50 
45,875 00 
23,606 64 
18,187 94 

204,571 88 
60,256 08 
67,718 75 
63,386 46 
46,032 75 
98,912 51 
28,016 66 
23,636 00 
54,000 00 
50,175 00 

120,710 00 
50,078 76 
22,500 00 
9,462 75 
55,750 00 
43,968 75 

188,920 42 
36,681 25 
45,833 33 

551,702 26 
95,364 25 



Rate. 
290 
141 

90 
103 
145 
109 
197 
145 
167 

98 
271 
185 
195 
132 
266 
140 

168 
135 
175 
109 
345 
124 
137 
215 



Market Value. 

$145,000 00 
42,300 00 
27,000 00 
18,746 00 
217,500 00 
65,400 00 
78,800 00 
87,000 00 
83,500 00 
98,000 00 
81,300 00 
27,750 00 
58,500 00 
66,000 00 
133,000 00 
56,000 00 

16,800 00 
60,750 00 
87,500 00 

196,200 00 
86,250 00 
43,400 00 

659,381 00 
96,750 00 



.ETNA INSURANCE CO. 



115 



4,000 shares Pennsylvania, 

300 " Peoria & Bureau Valley, 

1,000 " Pittsburgh, Ft. Wayne & Chicago, 

1,000 " Rensselaer & Saratoga, . 

500 " Rome, Watertown & Ogdensburg, 

140 " St. Joseph, So. Bend & So., pref., 

500 " St. Joseph, So. Bend, & So., com., 

300 Utica, Chenango & Susque. Valley, 

400 " Valley, New York, 
Bank Stocks. 
200 shares ^Etna National, Hartford, 

400 " Am. Exchange Nat., New York, 

200 " Am. National, Hartford, 

400 " Bank of the Manhattan, N. Y., 

300 " Bk. of N. Y., Nat. Bkg. Asso., 

300 " Central Trust Co., New York, 

400 " Charter Oak National, Hartford, 

200 " City Bank, Hartford, . 

150 " Conn. River Bank. Co., Hartford, 

350 " Farmers' & M. Nat,, Hart, (in liq.) 

250 " Farmers' & M. Nat., Phila., . 

300 " First National, Hartford, 

75 " First National, New York, 

300 Hanover National, New York, 

1,000 " Hartford National, Hartford, 

200 " Holland Trust Co., N. Y. (in liq.) 

300 " Importers & Traders Nat., N. Y., 

100 " International Bank. Corp., N. Y., 

112 " Market & Fulton Nat., N. Y., 

345 " Mechanics & M. Nat., New York, 

120 " Merchants Exch. Nat,, N. Y., 

700 " Merchants National, New York, 

100 " Metropolitan Tr. Co., N. Y., 

625 " Nat. Bank of Com., New York, 

500 " National City, New York, 

550 National Exchange, Hartford, 

100 " New Britain National, . 

150 " New York Life Ins. & Trust Co., 

200 " Peoples, New York, 

1,000 " Phoenix National, Hartford, . 

550 " State, Hartford, . 

100 " Third Nat., New York (in liq.), 

100 " Union Trust Co., New York, 

100 " United States Tr. Co., N. Y., 

Miscellaneous Stocks. 
400 shares American Tel. & Cable Co., . 
Atlantic Mutual Ins. Co., scrip., 1906-08, 
9 shares Gen. Adjust. Bureau, New York, 
300 " Gold & Stock Telegraph Co., 
300 Internat. Ocean Telegraph Co., 

1,000 Northwestern Telegraph Co., 

5 Southern Adj. Bureau, Atlanta, 

10 Underwriters' Salvage Co., Chic, 

10 " Underwriters' Salvage Co., N. Y., 
Government Bonds. 
United States 4s, 1925, . 

State, County and Municipal Bonds. 
Albina, Oregon, 6s, 1921, 
Americus, Ga., 6s, 1919, . 
Americus, Ga., 6s, 1920, . 
Arizona 5s, 1942, 
Bainbridge, Ga., 6s, 1912, 
Bainbridge, Ga., 6s, 1913, 
Bainbridge, Ga., 6s, 1914, 
Bainbridge, Ga., 6s, 1915, 
Bainbridge, Ga., 6s, 1916, 
Bainbridge, Ga., 6s, 1917-18, 
Bainbridge, Ga., 6s, 1919, 
Bainbridge, Ga., 6s, 1920-21, 
Bainbridge, Ga., 6s, 1922, 
Bainbridge, Ga., 6s, 1923-24, 
Bainbridge, Ga., 6s, 1925-26, 



Book Value. 


Rate. 


Market Value. 


$226,328 40 


123 


$246,000 00 


55,755 93 


180 


54,000 00 


112,201 75 


167 


167,000 00 


173,575 00 


187 


187,000 00 


64,483 33 


119 


59,500 00 


13,940 00 


100 


14,000 00 


50,000 00 


40 


20,000 00 


47,390 00 


145 


43,500 00 


44,550 00 


123 


49,200 00 


21,408 50 


260 


52,000 00 


43,983 00 


248 


99,200 00 


10,500 00 


150 


15,000 00 


26,708 00 


335 


67,000 00 


36,766 55 


317 


95,100 00 


31,000 00 


1,029 


308,700 00 


51,832 25 


145 


58,000 00 


27,087 00 


107 


21,400 00 


9,300 00 


213 


9,585 00 


17,692 50 


2 


700 00 


28,488 00 


142 


35,500 00 


34,906 50 


163 


48,900 00 


20,571 00 


1,042 


78,150 00 


50,037 00 


630 


189,000 00 


140,359 00 


156 


156,000 00 


22,200 00 


15 


3,000 00 


30,000 00 


590 


177,000 00 


20,000 00 


90 


9,000 00 


14,143 00 


258 


28,896 00 


38,636 00 


263 


90,735 00 


8,792 50 


168 


10,080 00 


39,918 52 


184 


64,400 00 


11,000 00 


408 


40,800 00 


84,379 77 


200 


125,000 00 


66,889 00 


418 


209,000 00 


34,306 25 


140 


38,500 00 


10,000 00 


168 


16,800 00 


18,525 00 


1,050 


157,500 00 


5,544 00 


249 


12,450 00 


146,711 50 


150 


150,000 00 


63,779 00 


175 


96,250 00 


10,850 00 


1 


100 00 


10,000 00 


1,324 


132,400 00 


28,510 00 


1,150 


115,000 00 


36,750 00 


80 


32,000 00 


10,110 00 


106 


10,716 60 


450 00 


100 


450 00 


36,000 00 


118 


35,400 00 


33,000 00 


100 


30,000 00 


50,992 93 


114 


57,000 00 


250 00 


100 


250 00 


750 00 


100 


1,000 00 


1,000 00 


125 


1,250 00 


113,718 85 


113 


113,000 00 


27,750 00 


108 


27,000 00 


[ 21,045 00 [ 


108 
109 


10,800 00 
8,720 00 


15,450 00 


100 


15,000 00 


r 


100 


500 00 




101 


505 00 


| 


102 


510 00 


1 


103 


515 00 


1 


104 


520 00 


7,500 00 \ 


105 


1,050 00 


106 


530 00 


|. 


107 


1,070 00 




108 


540 00 


1 


109 


1,090 00 




110 


1,100 00 



116 



.ETNA INSURANCE CO. 



Boston, Mass., 4s, 1923, . 
Bridgeport, Conn., 4|s, 1949-1961, 

Chicago, 111., 5s, 1913, . 

5s, 1914, . 

4s, 1928, . 

4s, 1912, . 
4s, 1922- 



-25, 



Chicago, 111. 

Chicago, 111, 

Cleveland, O. 

Cleveland, O. 

Columbia, S. C, 5s, 1941, 

Connecticut 3§s, 1934, 

Dallas, Tex., 5s, 1920, . 

Durham, N. C, 4Js, 1935, 

Georgia 4|s, 1915, . . . x . 

Greensboro, N. G, 6s, 1922, . 

Greenville, Ala., 6s, 1922, 

Hamilton, Ont., 4s, 1920, 

Hartford, Conn., Riv. Bridge 3|s, 1954, 

Hartford, Conn., Northw. Sch. Dist., 4s, 1938, 

Jersey City, N. J., 5s. 1923, . 

Jersey City, N. J., ref. 4£s, 1928, 

Jersey City, N. J., 4|s, 1961, . 

Lexington, Ky., 5s, 1918, . : 

Manitoba 4s, 1947-48, . 

Mecklenburg County, N. C, 6s, 1920, 

Montreal, Canada, 4s, 1917-42, 

Nashville, Tenn., High School 4§s, 1940, 

New Britain, Conn., Municipal Bldg., 4s, 1948, 

New Mexico 5s, 1925 op. 1915, 

New York, N. Y., 4|s, 1957, . 

New York, N. Y., corp. stock 4£s, 1960, 

Ogden City, Utah, 5s, 1912, . 

Portland, Ore., Park 4s, 1933, 

Port of Portland, Ore., 5s, 1922, 

Rahwav, N. J., 4s, 1922, 

Richmond, Va., 4s, 1943, 

Richmond, Va., 4s, 1929, 

Richmond, Va., 4s, 1938, 

Roanoke, Va., 4s, 1936, . 

Spokane, Wash., 4|s, 1931-34, 

Spokane County, Wash., 4|s, 1923, 

Stamford, Conn., 4s, 1938, 

Syracuse, N. Y., 4|s, 1912, 

Syracuse, N. Y., 4|s, 1913-15, 

Syracuse, N. Y., 4|s, 1916-19, 

Syracuse, N. Y., 4is, 1920-23, 

Svracuse, N. Y., 4|s, 1924-28, 

Tacoma, Wash., 4fs, 1929, 

Tacoma, Wash., 5s, 1913, 

Talbot County Ga., 6s, 1912, 

Tennessee 3s, 1913, 

Toronto, Ont., deb. 4s, 1920, 

Westmount, Que., 3|s, 1938, 

Winnipeg, Man., 4s, 1914, 

Winston, N. C., 5s, 1924, 

Railroad Bonds. 
Alabama Central 1st 6s, 1918, 
Baltimore & Ohio 1st 4s, 1948, 
Baltimore & Ohio prior lien 3§s, 1925, 
Boston & Maine deb. 4fs, 1929, 
Boston & New York Air Line 1st 4s, 1955, 
Buffalo, New York & Erie 7s, 1916, . 
Burl., Cedar Rpds. & N. (I.M. & D. Div.) 5s, 1934, 
Canadian Northern (Winnipeg Term.) 4s, 1939, 
Central Branch 1st 4s, 1919, . 
Central Ohio 1st cons. 4±s, 1930, 
Centra] Pacific 3§s, 1929, 
Central Pacific 1st 4s, 1949, 
Central of New Jersey general 5s, 1987, 
Chesapeake & Ohio (Rich. <fe A. Div.) 1st 4s, 1989, 
Chicago, Burlington & Quincy 4s, 1922, 
Chicago, Burl. & Quincv (111. Div.) 3§s, 1949, 
Chicago, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Chicago & E. 111. cons. 1st 5s, 1937, 



Book Value. 

$25,000 00 

26,022 86 

26,674 37 



50 
00 
50 



24,937 
52,095 
51,312 

86,200 00 

100,000 00 

35,902 68 

26,718 75 

11,400 00 

24,480 00 

20,000 00 

48,185 00 

47,000 00 

30,000 00 

26,304 79 

26,250 00 

26,562 50 

52,846 83 

14,875 00 

75,815 00 

66,584 43 

37,370 00 

100,250 00 

10,550 00 

56,187 50 

50,375 00 

18,270 00 

50,000 00 

54,152 78 

44,796 80 

25,125 00 

25,650 00 

30,000 00 

47,405 00 

51,250 00 

50,500 00 



r 



f 35,687 76 



31,200 00 
30,550 00 
4,550 00 
29,004 20 
10,000 00 
50,375 00 
33,143 90 
25,000 00 

58,000 00 

123,250 00 

23,187 50 

156,425 00 

101,000 00 

131,858 75 

17,935 00 

49,625 00 

31,450 00 

27,593 75 

840 00 

48,875 00 

315,578 75 

88,783 05 

21,392 99 

119,002 50 

96,562 50 

56,218 75 



Rate. 

101 

105 

101 

102 

100 

100 

101 

108 

100 

104 

102 

102 

111 

106 

98 

92 

100 

108 

104 

108 

104 

100 

109 

100 

103 

100 

102 

108 

102 

100 

97 

105 

93 

97 

98 

97 

94 

102 

100 

99 

100 

101 

102 

103 

104 

102 

100 

100 

98 

99 

90 

99 

104 

108 
98 
92 

102 
99 

109 

111 

100 
92 

102 
91 
96 

122 
95 

100 
88 
98 

110 



Market Value. 
825,250 00 
26,250 00 
12,120 00 
13,260 00 
25,000 00 
50,000 00 
50,500 00 
86,400 00 
100,000 00 
37,440 00 
25,500 00 
10,200 00 
26,640 00 
21,200 00 
45,080 00 
46,000 00 
30,000 00 
27,000 00 
26,000 00 
27,000 00 
52,000 00 
15,000 00 
78,480 00 
60,000 00 
38,110 00 
100,000 00 
10,200 00 
54,000 00 
51,000 00 
18,000 00 
48,500 00 
52,500 00 
20,460 00 
24,250 00 
11,760 00 
12,610 00 
28,200 00 
46,920 00 
50,000 00 
49,500 00 
2,000 00 
6,060 00 
8,160 00 
8,240 00 
10,400 00 
30,600 00 
30,000 00 
4,000 00 
22,540 00 
9,900 00 
45,000 00 
31,475 07 
26,000 00 



54,000 

122,500 
23,000 

153,000 
99,000 

114,450 
17,760 
50,000 
34,040 
25,500 
910 
48,000 

305,000 
95,000 
29,000 

118,800 
98,000 
55,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 

oo ! 

00 
00 
00 
00 
00 
00 
00 
00 



.ETNA INSURANCE CO. 



117 



Book Value. 

Chicago & Erie 1st 5s, 1982, .... $298,318 75 

Chicago, Hammond & Western 1st Gs, 1927, . 134,362 50 

Chicago, Indiana & Southern mort. 4s, 1956, . 31,975 00 

Ch., Mil. & St. Paul (Dubuque Div.) 1st 6s, 1920, 57,025 42 

Ch., Mil. & St. Paul general 4s, 1989, . . 75,081 25 

Chicago & Northwestern general 4s, 1987, . 59,212 50 

Chicago & Northwestern 6s, 1929, . . . 21,222 25 

Chicago & Northwestern cons. 7s, 1915, . . 89,355 00 

Chicago & Northwestern gen. 3|s, 1987, . . 99,460 00 

Chicago & Northwestern deb. 5s, 1933, . . 100,878 75 

Chicago & Northwestern 5s, 1929, . . . 1,125 00 

Chicago Railways consolidated Class A 4s, 1927, 30,000 00 

Chicago Railwaj's consolidated Class B 4s, 1927, 45,000 00 

Chicago Railways adj. 4s, 1927, . . . 15,741 67 

Chicago Railways Purchase Monev 4s, 1927, . 57,875 00 

Chicago, Rock Island & Pacific 6s, 1917, . . 75,850 00 

Chicago, Rock Island & Pacific gen. 4s, 1988, . 103,500 00 

Chicago, St. Louis & New Orleans 5s, 1951, . 40,662 50 

Chicago & Western Indiana cons. 4s, 1952, . 101,000 00 

Chicago & Western Indiana general 6s, 1932, . 104,240 60 

Cincinnati, Dayton & Ironton 5s, 1941, . . 53,087 50 

Cincinnati, Findlay & Ft. Wayne 1st 4s, 1923, . 49,200 00 

Cin., Hamilton & Dayton general 5s, 1942, . 117,231 67 

Cin., Indianap. & West. 1st ref. 4s, 1953, . . 49,500 00 

Cleve., Cin., Chie. & St. Louis general 4s, 1993, 199,250 00 

Cleve., Col., Cin. & Indianap. 1st cons. 7s, 1914, 126,551 50 

Cleveland, Lorain & Wheeling 1st cons. 5s, 1933, 116,086 25 

Colorado & Southern 1st 4s, 1929, . . . 24,531 25 

Columbus & Toledo 1st 4s, 1955, . . . 140,279 39 

Dayton & Michigan 1st 4 Is, 1931, . . . 21,00000 

Delaware & Hudson Canal (Penn. Div.) 7s, 1917, 90,460 75 

Delaware & Hudson Co. 1st ref. 4s, 1943, . 99,937 50 

Des Moines & Fort Dodge 1st 4s, 1935, . . 24,437 50 
Detroit 1st 5s, 1912^ ...... 1 f 

Detroit 1st 5s, 1915, . . . . [ _ Q „ QQ Qn J 

Detroit 1st 5s, 1921, f M -' dy yu ] 

Detroit 1st 5s, 1924, . .1 

Elgin, Joliet & Eastern 1st 5s, 1941, ' '. '. 57,250 00 

Flint & Pere Marquette 1st consol. 5s, 1939, . 26,030 00 

Flint & Pere Mar. (Pt. Hur. Div.) 1st 5s, 1939, . 59,262 50 

Gal., Har. & San An. (M. & P. Ex.) 1st 5s, 1931, 81,250 00 

Georgia & Alabama 1st consol. 5s, 1945, . . 56,125 00 

Georgia R. R. & Banking Co. 4s, 1947, . . 23,375 00 

Hartford Street 1st 4s, 1930, .... 51,500 00 

Hocking Valley 1st consol. 4-|s, 1999, . . 78,716 25 

Housatonic 1st consol. 5s, 1937, . . . 34,812 50 

Illinois Cent. (Springfield Div.) 1st 3|s, 1951, . 101,000 00 

Iowa Central 1st ref. 4s, 1951, . . . 45,750 00 

Iowa Central 1st 5s, 1938, .... 56,125 00 

Keokuk & Des Moines 1st 5s, 1923, . . . 45,942 50 

Lake Shore & Michigan Southern 4s, 1931, . 186,075 00 

Lehigh Valley 1st 4|s, 1940, .... 215,610 00 

Lehigh Valley Terminal 1st 5s, 1941, . . 231,555 00 

Louisville & Jeffersonville Bridge Co. 4s, 1945, . 49,250 00 

Louis. & Nash. (Pad. & Memp. Div.) 1st 4s, 1946, 47,762 50 

Mahoning Coal 5s, 1934, 28,584 74 

Mich. Cen. (Gr. Riv. Valley) 1st 4s, 1959, . . 48,750 00 

Middlesex Valley 1st 5s, 1942, . . . 28,750 00 

Midland of New Jersey 1st 5s, 1940, . . 49,338 75 

Minn. & St. Louis (Merriam June.) 1st 7s, 1927,. 110,550 00 

Minn. & St. Louis (Pacific Ex.) 1st 6s, 1921, . 31,875 00 

Minneapolis Union 6s, 1922, .... 204,655 83 

Montana Central 1st 6s, 1937, . . . 133,087 50 

Morris & Essex 1st 7s, 1914, .... 72,724 38 

Morris & Essex 1st consol. 7s, 1915, . . 176,169 72 

Mutual Terminal Co. of Buffalo 1st 4s, 1924, . 47,750 00 

New England consolidated 5s, 1945,' . . ' 123,797 50 

New England consolidated 4s, 1945, . . 40,237 50 

New Haven & Northampton cons. ref. 4s, 1956,. 50,312 50 

New London Northern 1st 4s, 1940, . . 49,625 00 

N. Y., Lacka. & West. Term, and Imp. 4s, 1923, 100,581 25 

N. Y., Lake Erie & Western 7s, 1920, . . 111,816 25 



Rate. 

112 

118 

92 

113 

99 

98 

112 

108 

87 

109 

107 

96 

92 

49 

78 

109 

96 

115 

92 

109 

104 

88 

103 

88 

93 

106 

111 

97 

96 

101 

115 

99 

79 

100 

98 

95 

93 

110 

100 

101 

107 

107 

94 

100 

103 

114 

86 

67 

102 

101 

93 

105 

113 

92 

96 

112 

97 

106 

111 

130 

111 

115 

128 

107 

109 

96 

116 

100 

99 

99 

98 

118 



Market Value. 

$280,000 00 

129,800 00 

32,200 00 

56,500 00 

74,250 00 

58,800 00 

21,280 00 

74,520 00 

87,000 00 

98,100 00 

1,070 00 

28,800 00 

41,400 00 

7,693 00 

44,850 00 

65,400 00 

96,000 00 

40,250 00 

92,000 00 

94,830 00 

52,000 00 

44,000 00 

111,240 00 

44,000 00 

186,000 00 

106,000 00 

111,000 00 

24,250 00 

12,0,000 00 

20,200 00 

86,250 00 

99,000 00 

19,750 00 

20,000 00 

6,860 00 

950 00 

20,460 00 

55,000 00 

25,000 00 

55,550 00 

80,250 00 

53,500 00 

23,500 00 

50,000 00 

77,250 00 

34,200 00 

86,000 00 

33,500 00 

51,000 00 

50,500 00 

186,000 00 

210,000 00 

226,000 00 

46,000 00 

48,000 00 

33,600 00 

48.500 00 

26,500 00 

49,395 00 

100,100 00 

27,750 00 

201,250 00 

128,000 00 

64,200 00 

163,500 00 

48,000 00 

118,320 00 

40,000 00 

49,500 '00 

49,500 00 

98,000 00 

106,200 00 



118 



AGRICULTURAL INSURANCE CO. 



N. Y., N. H. & Hartford conv. deb. 6s, 1948, . 

N. Y., N. H. & Hartford deb. 4s, 1956, . 

N. Y. , N. H. & H. (H. R. & Pt. C. Div.) 1st 4s, 1954, 

N. Y., Susquehanna & Western Term. 5s, 1943, 

N. Y., Susquehanna & West. 1st ref. 5s, 1937, 

Norfolk & Western 6s, 1931, 

Nor. Pac.-Gt. Nor. (C. B. & Q. col.) 4s, 1921, 

Northwestern Union 1st 7s, 1917, 

Oregon Short Line 1st 6s, 1922, 

Oregon Short Line 1st 5s, 1946, 

Oswego R. R. Bridge Co. 6s, 1915, 

Oswego & Syracuse 5s, 1923, . 

Pittsburgh, Fort Wayne & Chicago 1st 7s, 1912,. 

Pittsburgh, Fort Wayne & Chicago 2d 7s, 1912, , 

Pittsburgh, Fort Wayne & Chicago 3d 7s, 1912, , 

Port Reading 1st 5s, 1941, 

Rome, Water. & Ogdensburg 1st consol. 5s, 1922, , 

St. Paul, Minn., & Manitoba consol. 6s, 1933, 

St. Paul, Minn. & Manitoba consol. 4s, 1933, 

St. Paul, Minn. & Manitoba consol. 4|s, 1933, 

St. Paul, Minn. & Manitoba (Mon. Ex.) 4s, 1937, 

St. Paul & Northern Pacific 1st 6s, 1923, . 

St. Paul & Sioux City 1st 6s, 1919, . 

San Francisco & San Joaquin Val. 5s, 1940, 

Sault Ste. Marie & Southwestern consol. 5s, 1915, 

Southern 1st consol. 5s, 1994, . 

Southern (St. Louis Div.) 4s, 1951, 

Terre Haute & Peoria 1st 5s, 1942, 

Toledo & Ohio Central 1st 5s, 1935, 

Toledo & Ohio Central (West Div.) 1st 5s, 1935, 

Toronto, Hamilton & Buffalo 1st 4s, 1946, 

Union Pac. 1st mort. R . R. & Land Grant 4s, 1947, 

United New Jersey R. R. & Canal Co. 4s, 1929, 

Vermont Valley 1st 4 |s, 1940, . 

Wabash 1st mortgage 5s, 1939, 

Washington Terminal Co. 1st 3|s, 1945, . 

West Shore 1st 4s, 2361, 

Willmar & Sioux Falls 1st 5s, 1938', . 

Miscellaneous Bonds. 
Mas. Tern. Corp., Wilmington, N. C, 6s, 1919, 
Mortgage Bond Co., New York 4s, 1966, . 
New York Dock Co. 1st 4s, 1951, 
Peoples G. Lt. & Coke Co., Chicago, ref. 5s, 1947, 
Toronto Mortgage Co. 4s, 1916, 



Book Value. 
$293,995 00 

237,375 00 

252,756 25 
54,902 50 
68,990 00 
71,664 33 

203,931 87 
80,654 22 

146,818 75 
28,500 00 
52,679 17 
21,650 00 
88,881 37 
90,406 00 
47,600 00 
85,730 00 
81,757 50 
96,332 50 
30,000 00 
21,225 00 
24,750 00 

191,201 67 

115,010 00 
28,343 75 
20,525 00 
52,005 00 
49,875 00 
25,805 54 
57,272 50 
53,695 45 
98,087 50 
25,531 25 

102,375 00 
78,812 50 

112,097 50 
31,637 50 
94,125 00 
90,943 75 

30,500 00 
22,437 50 
55,000 00 
52,312 50 
50,000 00 

$16,785,333 60 



Rate. 
132 

93 

99 
109 
103 
124 

97 
113 
114 
111 
106 
107 
102 
102 
102 
110 
107 
126 

99 
106 

98 
115 
111 
112 
102 
108 

88 
109 
110 
109 

89 
101 
101 
104 
105 

88 
101 
113 

106 

87 

83 
102 
100 



Market Value. 
$330,000 00 

232,500 00 

247,500 00 
54,500 00 
61,800 00 
74,400 00 

242,500 00 
72,320 00 

139,080 00 
27,750 00 
53,000 00 
21,400 00 
76,500 00 
82,620 00 
40,800 00 
86,900 00 
80,250 00 
93,240 00 
29,700 00 
21,200 00 
24,500 00 

177,100 00 

111,000 00 
28,000 00 
20,400 00 
54,000 00 
44,000 00 
27,250 00 
55,000 00 
54,500 00 
89,000 00 
25,250 00 

101,000 00 
78,000 00 

105,000 00 
30,800 00 

101,000 00 
90,400 00 

31,800 00 
21,750 00 
45,650 00 
51,000 00 
50,000 00 

$18,368,982 67 



AGRICULTURAL INSURANCE COMPANY, WATERTOWN, N. Y. 

Incorporated 1853.* Commenced business Feb. 17, 1853. 
Paid-up Capital, $500,000. 
W. H. STEVENS, President. J. Q. ADAMS, Secretary. 

Home Office, 203 Washington Street. 

Income. 

Net fire premiums, - . $1,712,991 07 

Gross interest on mortgages, $36,023.63; collaterals, $17,196.26; 
stocks and bonds, $99,403.45; bank deposits, $7,420.24; all 
other, $444.29; gross rents, for company's own occupancy, 

$2,500, 162,987 87 

Agents' balances previously charged off, . . . . . 7 15 

Gross profit on sale of ledger assets, ..... 4,211 75 

Gross increase in book value of bonds, ..... 2,056 49 



* Organized as mutual company 1853; incorporated as stock company, Jan. 10, 1863. 



AGRICULTURAL INSURANCE CO. 



119 



Increase in reserve on account of reinsurance treaty, 
From all other sources, ..... 

Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 



',472 49 
196 50 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, including $2,500 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ...... 

Furniture and fixtures, . . . . . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Dividends to stockholders, 

Agents' balances charged off, . 

Gross loss on sale of bonds, 

Gross decrease in book value of bonds, 

Assessment on bank stock, 

Interest on reinsurance reserve, 

All other disbursements, . . 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A) , 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $10,098.57; bonds, $23,363.11; collateral 

$8,296.39; other assets, $652.86, .... 
Due from other companies, . . . . 

Gross assets, ....... 



$1,889,923 32 
3,761,907 93 



$5,651,831 25 


$850,121 81 


30,072 01 


374,923 68 


467 34 


109,757 37 


57,226 55 


4,154 86 


20,978 02 


13,730 61 


171 19 


2,629 65 


5,688 29 


28,968 65 


14,115 86 


7,598 37 


1,336 58 


518 03 


30,752 23 


9,334 03 


11,450 78 


75,000 00 


44 10 


994 33 


614 97 


773 90 


1,436 82 


2,826 91 


$1,655,686 94 


$3,996,144 31 


$37,084 99 


694,219 11 


295,989 91 


2,318,982 07 


4,478 14 


340,509 00 


304,881 09 


$3,996,144 31 



loans, 



42,410 93 

1,588 82 

$4,040,144 06 



120 



AGRICULTURAL INSURANCE CO. 



Assets not admitted. 

Agents' balances over three months due, . . . $4,135 43 

Book value of real estate over market value, . . 5,232 33 
Book value of stocks and bonds over market value, . 8,053 07 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $15,996 resisted, $154,412.95; less rein- 
surance, $28,668.55, . . . # . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Reserve on account of reinsurance treaty, 
Reserve for contingencies, 

Total, 

Cash capital, $500,000 00 

Surplus over all liabilities, . . . 1,323,434 30 

Surplus to policy holders, 

Total liabilities, including surplus, ..... 

Risks and Premiums. 

Risks. 

Fire risks in force Dec. 31, 1910, . . . $389,759,500 00 
Fire risks written during the year, . . . 252,596,000 00 

Excess premiums on account of reinsurance, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$17,420 83 
t,022,723 23 



$125,744 40 

1,840,488 98 

7,028 48 

35,0C0 00 

41,027 07 

150,000 00 

£,199,288 93 



1,823,434 30 
54,022,723 23 



Premiums. 

£3,938,029 00 

2,587,603 88 

770 00 



$642,355,500 00 $6,526,402 
225,662,200 00 2,416,640 



$416,693,300 00 $4,109,762 00 
51,521,400 00 568,614 00 



$365,171,900 00 $3,541,148 00 



Miscellaneous. 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (15 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 



$40,385,088 00 

20,335,989 00 

1,942,500 00 

400,000 00 

841,643 00 

75,000 00 

82,400 00. 



100 shares Brockway Co., Watertown, N. Y., 
5 " Brockway Co., Watertown, N, Y., 
Remington-Martin Co., Norfolk, N. Y., 6s, 1921, 
10 shares Arthur Grain & Coal Co., Lowville, N. 
Champion Paper Co., Carthage, N. Y., 6s, 1924, 
Real estate mortgage, - . 

236 shares St. Regis Paper Co., pref., Deferiet, N. 
St. Law. Int. El. R. R. & Land Co., Alex. Bay, N. Y 
Real estate mortgage, ..... 



Y. 



Y., 

, 5s, 1932, 



Company's 
Market Value. 
$10,000 00 
500 00 
500 00 
1,000 00 I 
500 00 | 
15,000 00 J 
23,600 00 
29,500 00 
100,000 00 



Loaned 
Thereon. 

$8,000 00 



12,750 75 



20,000 00 

20,000 00 

100,000 00 



AGRICULTURAL INSURANCE CO. 



121 



Real estate mortgage, ...... 

Real estate mortgage, ...... 

10 shares Carthage National Bank, Carthage, N. Y., . 
100 " Carthage Tissue Paper Mill, Carthage, N. Y., 
150 " West End Paper Co., Carthage, N. Y., 

15 " Watertown National Bank, Watertown, N. Y., 

49 " International Paper Co., preferred, 
250 " Hunting Co., preferred, Watertown, N. Y., 
Deed of Real Estate, Elmira, N. Y., 

5 shares Watertown National Bank, Watertown, N. Y., 
Ontario Talc Co., Gouverneur, N. Y., 6s, 1911-21, 

4 shares Watertown National Bank, Watertown, N. Y., 
200 " Brownville Paper Co., Brownville, N. Y., . 
Real estate mortgage, ...... 

20 shares Utica & Black River R.R. Co., . 



Company's 
Market Value. 
$75,000 00 
1,955 00 \ 
2,070 00/ 

10,000 00 

17,250 00 
3,150 00 I 
2.G95 00 | 

25,000 00 

3,000 00 

1,050 00 

3,600 00 

840 00 

20,000 00 
5,000 00 
3,300 00 



Loaned 
Thereon. 

$75,000 00 
3,389 16 

3,000 00 
8,500 00 

4,000 00 

20,000 00 

1,500 00 

350 00 

3,000 00 

500 00 

10,000 00 

4,000 00 

2,000 00 



$354,510 00 $295,989 91 



Schedule B. Stocks and Bonds owned by the Company 



450 
250 
500 
250 
300 
250 
100 

14 
500 
250 
220 

26 
476 
250 
100 
333 
132 
1,100 
150 
200 

28 
200 

40 



Railroad Stocks. 
shares Atch., Top. & Santa Fe, 
V Cayuga & Susquehanna, 
" Chicago, Mil. & St. Paul, common, 
" Chicago, Mil. & St. Paul, preferred 

Chicago & Northwestern, 
" Great Northern, preferred, 
" Hereford, 
" Illinois Central, leased line, 

Illinois Central, 
" Louisville & Nashville, . 
" Morris & Essex, . 
" Morris & Essex Extension, 
" Nashville & Decatur, 

New York Central & Hud. River, 

New York, Lackawanna & West., 
" New York, New Haven & Hart., 
" Oswego & Syracuse, 

Pennsylvania, 
" Pittsburgh, Ft. Wayne & Chicago, 
" Rome, Watertown & Ogdensburg, 
" Union Pacific, common, 
" Union Pacific, preferred, 
" Warren, .... 



Bank Stocks. 
20 shares Carthage National, 
26 " Jefferson Co. Nat., Water., N. Y., 
75 " Nat. Herkimer Co., Little Falls, N. Y. 

200 " N. N. Y. Tr. Co., Watertown, N. Y., 

150 " Watertown National, 

Miscellaneous Stocks. 
200 shares American Locorflotive Co., pref., 

200 " American Tel. & Tel. Co., 

129 " H. H. Babcock Co., Water., N. Y. . 

9 " General Adjt. Bureau, New York, . 

250 " General Electric Co., 

263 " Hungerford-Hol. Co., Water., N. Y., 

300 " International Paper Co., preferred, . 

3 Louisville Property" Co., 

5 " So. Adjust. Bureau, Atlanta, Ga., . 

5 Underwriters' Salvage Co., New York, 

5 " Underwriters' Salvage Co., Chic, 

10 " Water. Transp. Co., Water., N. Y., 

1 share West. Adj. & Insp. Co., Chicago, 

State and Municipal Bonds. 
Asheville, N. C, 4s, 1922, 
Dublin, Ga., 5s, 1937, 
New York, N. Y., 4s, 1959, 
New York Canal Improvement 3s, 1958, 
Peekskill, N. Y., 4.15s, 1938, . 



25 
00 
25 
00 



Book Value. 
$50,205 73 
17,250 00 
66,348 96 
32,746 78 
44,137 50 
27,456 25 
10,150 00 

1,489 25 
70,237 50 
27,043 75 
21,540 00 

2,782 00 
23,192 50 
28,781 
13,650 
49.757 
15,741 
70,812 50 
27,750 00 
27.500 00 

4,900 00 
17,025 33 

3,720 00 

2,285 00 

4,895 00 

12,750 00 

40,000 00 

17,045 00 

18,825 00 

27,300 00 

9,100 00 

450 00 

29,000 

26,300 

24,950 

35 

250 

500 

500 

500 

150 



00 
00 
00 
00 
00 
00 
00 
00 
00 



9,788 63 
10,742 86 
27,158 91 
25,000 00 

5,106 87 



Rate. 
107 
215 
109 
145 
145 
127 
90 
92 
140 
155 
175 
100 
188 
109 
124 
137 
215 
123 
167 
119 
174 
93 
170 

207 
240 
250 
219 
230 

106 
140 
100 
100 
156 
100 
46 
35 
100 
125 
100 
100 
200 

96 
106 
100 
101 
100 



Market Value. 
$48,150 00 
16,125 00 
54,500 00 
36,250 00 
43,500 00 
31,750 00 

9,000 00 

1,288 00 
70,000 00 
38,750 00 
19,250 00 

2,600 00 
22,372 00 
27,250 00 
12,400 00 
45.621 00 
14,190 00 
67,650 00 
25,050 00 
23.800 00 

4,872 00 
18,600 00 

3,400 00 

4,140 00 

6,240 00 

18,750 00 

43,800 00 

34,500 00 



21,200 

28,000 

12,900 

450 

39,000 

26,300 

13,800 

105 

250 

625 

500 

500 

200 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



9,600 00 
10,600 00 
27,000 00 
25,250 00 

5,000 00 



122 



AGRICULTURAL INSURANCE CO. 



Book Value. Rate. Market Value. 

Richmond, Va., 4s, 1921, .... $10,230 79 99 $9,900 00 

Richmond, Va., 4s, 1923-27, .... 16,985 26 98 16,660 00 

Rye, N. Y., Park, 3.85s, 1943, .... 9,748 55 95 9,500 00 

St. Petersburg, Fla., 6s, 1941, .... 11,491 39 109 10,900 00 

Sullivan Twp., Laurens Co., S. C, ref. 5|s, 1937, 8,001 60 107 8,025 00 

Watertown, N. Y., 4s, 1940, .... 4,000 00 98 3,920 00 

White Plains, N. Y., 4£s, 1938, . . . 10,697 51 106 10,600 00 

Railroad Bonds. 

Atch., Top. & Santa Fe (Tr. Sh. L) 4s, 195S, . 23,825 00 93 23,250 00 

Atch.,Top. & Santa FeConv. 4s, 1960, . . 9,220 50 101 9,090 00 

Auburn & Syracuse Elec. 1st ref. 5s, 1942, . 10,000 00 101 10,100 00 

Baltimore & O. (So. West Div.) 1st 3|s, 1925, . 14,388 48 91 14,560 00 

Bal. & O. (Pittsburgh, L. Erie & W. Va.) 4s, 1941, 9,177 41 91 9,100 00 

Carolina, Clinchfield & O. 1st 5s, 1938, . . 15,000 00 98 14,700 00 

Central of Ga. equipment 5s, 1916, ... 24,687 50 101 25,250 00 

Chicago & East. 111. refunding 4s, 1955, . . 21,054 34 80 20,000 00 

Chicago, Milwaukee & St. P. deb. 4s, 1934, . 23,838 94 93 23,250 00 

Chicago Railways 1st 5s, 1927, . . . 38,595 68 100 40,000 00 

Chicago, R. I. & Pac. 1st ref. 4s, 1934, . . 21,793 29 89 22,250 00 

Cleveland 1st 5s, 1931, 9,904 76 ' 101 10,100 00 

Denver & Rio Grande (Rio G. West.) 1st 4s, 1949, 21,259 61 81 20,250 00 

Erie (Pennsylvania Collateral) 4s, 1951, . . 19,186 05 89 17.X00 00 

Gal., H. & San A. (Tex., M. & P. Ext.) 5s, 1931, . 21,434 78 107 21,400 00 

Galveston-Houston Electric 5s, 1954, . . 23,745 84' 95 23,750 00 

Georgia Rv. & Electric Co. 5s, 1932, . . 26,093 76 102 25,500 00 

Interborough Rapid Transit Co. 5s, 1952, . . 25,302 80 103 25,750 00 

Kings County Elevated 1st 4s, 1949, . . 21,640 23 84 21,000 00 

Lehigh & Hudson River 2d Consol. 5s, 1917, . 5,000 00 102 5,100 00 

Mahoning & Sh. Rv. & L. Co. 1st ref. 5s, 1916, . 9,764 76 98 9,800 00 

Manhattan Consolidated 4s, 1990, . . . 29,157 01 97 29,100 00 

Metropolitan St., Kans. City, Mo., cons. 5s, 1913, 24,718 74 95 23,750 00 

Metrop. Street, New York, ref. 4s, 2002, . . 19,676 21 57 11,400 00 

Michigan Central debentures 4s, 1929, . . 14,166 81 91 13,650 00 

Missouri Pacific collateral trust 5s, 1917, . . 26,291 66 100 25,000 00 

N. Y. Cent. &H.R. R.R. (Lake Sh. col.) 3*s, 1998, 9,577 08 81 8,100 00 

N. Y., N. H. & Hartford convertible 6s, 1948, . 8,300 00 132 10,956 00 

N. Y., Ont. & Western general 4s, 1955, . . 27,004 24 92 27,600 00 

N. Y., Westchester & Boston 1st 4|s, 1946, . 14,453 12 98 14,700 00 

Norfolk-Southern 1st and ref. 5s, 19^1, . . 10,000 00 100 10,000 00 

Nor. Pac.,-Gt. Nor. (C.,B.&Q. col.) 4s, 1921, . 9,548 15 97 9,700 00 

Nor. Pac. (St. Paul & Duluth Div.) 4s, 1996, . 10,000 00 96 9,600 00 

Oklahoma 1st and ref. 5s, 1941, . . . 13,911 29 96 14,400 00 

Puget Sound Electric 1st Cons. 5s, 1932, . . 9,824 99 85 S.500 00 

Rochester Ry. & Light Co. consol. 5s, 1954, . 19,904 44 101 20,200 00 

Rock Island, Ark. & La. 1st 4}s, 1934, . . 9,609 00 93 9,300 00 

Rome, Water. & Ogdensburg 1st cons. 4s, 1922, . 24,603 39 99 24,750 00 

Southern Pacific convertible 4s, 1929, . . 25,696 40 97 24,250 00 

Southern Pacific 1st refunding 4s, 1955, . . 33,279 80 95 33,250 00 

Tri City Ry. & Light Co. 5s, 1923, . . . 14,820 00 98 14,700 00 

United Rys. St. Louis, Mo., general 4s, 1934, . 8,750 46 78 7,800 00 

Virginia & Southwestern consolidated 5s, 1958, . 9,859 00 97 9,700 00 

Virginia Ry. & Power Co., 1st and ref. 5s, 1934,. 24,161 45 95 23,750 00 

Miscellaneous Bonds. 

American Tel. & Tel. Co. 4s, 1929, . . . 27,958 95 90 27,000 00 

Brownville Paper Co. 5s, 1915, . . . 60.000 00 100 60,000 00 

Butte El. & Power Co. 5s, 1951, . . . 24,186 05 96 24,000 00 

Cincinnati Gas Transportation Co. 1st 5s, 1933,. 24,395 00 99 24,750 00 

Consolidated Light. Co. of Vt. 5s, 1926, . . 14,724 99 96 14,400 00 

Consumers P. Co., Mich. 1st lien and ref dg. 5s, 1936, 9,47115 96 9,600 00 

Des Moines Electric Co. 1st 5s, 1938, . . . 24,397 32 97 24,250 00 

Great West. Power Co. 1st 5s, 1946, . . 14,447 34 83 12,450 00 

Imp. Property Holding Co., N. Y., 6s, 1918, . 7,408 34 104 7,280 00 

Ind. & Michigan Elec. Co. 1st 5s, 1957, . . 14,430 72 ' 98 14,700 00 

International Paper Co. 5s, 1935, . . . 22,777 80 85 21,250 00 

Iroquois Iron Co. 5s, 1917, .... 9,673 38 98 9,800 00 

Iroquois Iron Co. 5s, 1918 9,666 58 97 9,700 00 

Jefferson Power Co., Black River, N.Y., 6s, 1912, 30,000 00 100 30,000 00 

Mortgage Bond Co., New York, 4s, 1966, . . 22,527 40 87 21,750 00 

New York & Westchester Lighting Co. 4s, 2004, 23,244 20 84 21,000 00 

O. F. Tern. Asso., Little Falls, N. Y., 5s, 1912-30, 19,000 00 100 19,000 00 

Pac. Tel & Tel. Co. 1st mort. and col. trust 5s, 1937, 24,337 96 99 24,750 00 

Pacific Power & Lt. Co. 1st ref. 5s, 1930, . 23,575 00 94 23,500 00 



I 



ALBANY INSURANCE CO. 



123 



Portland Gas & Coke Co. 1st and ref. 5s, 1940, . 
Raq. F. & Sup. Co. Massena, N. Y., 1st 6s, 1918, 
Rock. El. Co., Rockford, 111., 1st ref. 5s, 1939, 
San Francisco Gas & El. Co. 4§s, 1933, . 
Sierra & San Francisco P. Co. 1st 5s, 1949, 
Utica Gas & Elec. Co. ref. 5s, 1957, . 
West End Paper Co., Carthage, N. Y., 6s, 1916-17, 



Book Value. 


Rate. 


Market Value. 


$24,766 12 


99 


$24,750 00 


8,000 00 


75 


6,000 00 


9,613 79 


96 


9,000 00 


23,206 52 


93 


23,250 00 


13,788 74 


94 


14,100 00 


15,146 80 


101 


15,150 00 


8,000 00 


102 


8,160 00 


$2,318,982 07 


$2,310,929 00 



ALBANY INSURANCE COMPANY, ALBANY, N. Y. 

Incorporated March 8, 1811. Commenced business March 16, 1811. Re-organized June 1, 1881. 

Paid-up Capital, $250,000. 
JOHN E. McELROY, President. CHARLES H. HAHN, Secretary 

Home Office, 98 State Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $11,866.87; stocks and bonds, 
$30,110.34; bank deposits, $440; gross rents, including $1,500 
for company's own occupancy, $7,059.28, .... 

Gross profit on sale of bonds, ....... 

McElroy and Hahn agency, ....... 

Borrowed money, ......... 

Total income, ........ 

Ledger assets, Dec. 31, 1910, ......... 



$305,887 14 



49,476 49 
3,525 00 
3,31.6 47 

10,000 00 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, including $1,500 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, ...... 

Maps, including corrections, ..'..*. 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, ...... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Borrowed money repaid, ..... 

Interest on borrowed money, ..... 

All other disbursements, ... 

Total disbursements, ..... 

Balance, . . . . . . 



$372,205 10 


992,721 55 


$1,364,926 65 


$183,872 26 


3,653 13 


79,052 17 


16,538 79 


1,555 00 


1,614 35 


1,751 23 


280 11 


285 20 


3,335 03 


3,034 46 


536 58 


2,865 32 


1,433 92 


3,808 09 


672 77 


3,464 48 


25,000 00 


10,000 00 


236 79 


253 60 


$343,243 28 



$1,021,683 37 



124 



ALBANY INSURANCE CO. 



Ledger Assets. 
Book value of real estate, . 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, . . . . . 

Non-Ledger Assets. 
Interest due and accrued on : — 

Mortgages, $986.98; bonds, $4,392.46, 

Rents due on company's property, ...... 

Gross assets, . . . 

Assets not admitted. 
Agents' balances over three months due, . . . $423 81 

Book value of stocks and bonds over market value, . 36 50 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $4,106.23 resisted, $39,729.88; less rein- 
surance, $5,891.93, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$250,000 00 
445,534 98 



$75,000 00 

230,050 00 

658,866 50 

1,073 35 

3,819 47 

11,000 00 

41,874 05 

$1,021,683 37 



5,379 44 
390 68 

,027,453 49 



460 31 i 



$1,026,993 18 



$33,837 95 . 
290,842 70 

801 88 I 
5,687 38 

288 29 

$331,458 20 



695,534 98 
$1,026,993 18 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, 

Expired and terminated, 

In force at end of year, .... 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$60,298,146 00 
39,092,085 00 



,390,231 00 
37,189,262 00 

$62,200,969 00 
5,894,820 00 



Premiums. 

$601,253 56 

401,420 39 

935 39 

$1,003,609 34 
384,781 21 

$618,828 13 
55,675 26 | 



$56,306,149 00 $563,152 87 



Miscellaneous. 
Net premiums received from reorganization of company, 
Net losses paid from reorganization of company, 
Cash dividends declared from reorganization of company, 



$4,583,426 75 

2,347,358 88 

652,500 00 



ALBANY INSURANCE CO. 



125 



Stock dividends declared from reorganization of company, 
Fire losses incurred during the year, .... 

Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Stocks and Bonds owned by the 

Railroad Stocks. Book Value. 

50 shares Conn. R. R. & Lighting Co., preferred, $4,000 00 

50 " Detroit & Mackinac, preferred, . 5,000 00 

Bank Stocks. 

50 shares N. Y. State National, Albany, . . 14,054 00 

Miscellaneous Stocks. 

100 shares American Gas & Electric Co., pref., . 4,225 00 

100 " American Tobacco Co., pref., . . 10,450 00 

100 " Electrical Securities Corp., pref., . 9,100 00 

100 " Mackay Companies, preferred, . 7,050 00 

Railroad Bonds. 

Atlanta, Knoxville & Northern 1st 5s, 1946, . 20,750 00 

Central Pacific 1st ref. 4s, 1949, . . . 4,875 00 

Chicago, Burlington & Quincy 4s, 1958, . . 4,931 25 

Columbus 4s, 1939 4,275 00 

Delaware & Hudson conv. 4s, 1916, . . . 5,500 00 

Detroit & Mackinac general 4s, 1995, . . 9,658 00 

Houston, East & West Texas 1st 5s, 1933, . 5,275 00 

Interborough-Metropolitan col. trust 4|s, 1956, . 8,187 50 

Lake Shore & Michigan Southern 4s, 1928, . 9,900 00 

Milwaukee Elec. Ry. & Light Co. 4|s, 1931, . 11,970 00 

New York Central & Hudson River 4s, 1934, . 10,000 00 

N. Y., Westchester & Boston 4£s, 1946, . . 12,635 00 

Norfolk Southern 1st ref. 5s, 1961, ,. . . 15,075 00 

Northern Pacific general 3s, 2047, . . . 3,554 25 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, . 9,650 00 

Pennsylvania convertible 3§s, 1915, . . . 4,560 00 

St. Louis & San Francisco refunding 4s, 1951, . 24,000 00 

Schenectady 1st 4|s, 1941, .... 10,150 00 

Springfield & Eastern 5s, 1922, . . . 5,342 00 

Texas Central 5s, 1923 25,050 00 

Union of New Yoi;k 5s, 1942, .... 10,000 00 

Union Pacific convertible 4s, 1927, . . . 4,687 50 

United Traction Co. of Albany & Troy 4|s, 1919, 15,140 00 

United Trac. Co., cons. 4|s, 2004, . . . 25,275 00 

Virginia & Southwestern 5s, 2003, . . 25,632 00 

Virginia & Southwestern 1st consol. 5s, 1958, . 29,550 00 

Wabash 1st 5s, 1939 25,000 00 

Wabash (Chicago & Detroit Ex.) 5s, 1941, . 9,885 00 

Watervliet Turnpike & Railway 6s, 1919, . . 16,060 00 

Western N. Y. & Pennsylvania 5s, 1937, . . 25,000 00 

Miscellaneous Bonds. 

American Tube & Stamping Co. 5s, 1932, . 12,480 00 

Colorado Fuel & Iron Company 5s, 1943, . . 10,150 00 

Consumers Gas Co., Chicago, 5s, 1936, . . 5,350 00 

Electrical Securities Corporation 5s, 1936, . 10,000 00 

Equitable Gas & Electric, Utica, 5s, 1942,. . 8,000 00 

General Motors Co. 1st 6s, 1915, . . . 9,862 50 

Kings County Electric Lt. & Power Co. 6s, 1997, 5,950 00 

Kings County Lighting 1st ref. 5s, 1954, . . 30,300 00 

Laclede Gas Light Co., St. Louis, 5s, 1934, . 5,150 00 

Montreal Light, Heat & Power Co. 4|s, 1932, . 5,125 00 

N. Y. Gas & Electric Lt., Ht. & P. Co. 5s, 1948, 5,500 00 

Pacific Telephone & Telegraph Co. 5s, 1937, . 4,837 50 

Peoples' Gas Light & Coke Co., Chic, 6s, 1943,. 15,922 50 

Portland Gas & Coke Co. 1st ref. 5s, 1940, . . 20,100 00 

Scranton Electric Co. 1st ref. 5s, 1937, . . 4,800 00 

Union El. Lt. & Power Co., St. Louis, 5s, 1932, . 10,030 00 

United El. Lt. & Power Co., Baltimore, 4^s, 1929, 9,500 00 

United States Rubber Company 6s, 1918, . 5,150 00 

United States Steel Corp. 2d 5s, 1963, . . 25,062 50 

Utica Gas & Elec. Co. ref. and ext. 5s, 1957, . 4,625 00 

Watertown Light & Power Co. 1st 5s, 1959, . 4,925 00 

$658,866 50 



$50,000 00 

183,485 17 

25,000 00 

39,100 00 

Company. 

Rate. Market Value. 

81 $4,050 00 

110 5,500 00 



303 



105 
75 

70 

114 

96 

97 

81 

98 

90 

105 

81 

94 

94 

93 

98 

100 

69 

97 

97 

80 

102 

104 

105 

104 

103 

97 

98 

109 

97 

105 

107 

107 

109 

90 

99 
102 

99 
102 

98 
115 
100 
101 
100 
103 

99 
117 

99 
103 
101 

94 
104 
102 
101 
100 



15,150 00 

4,400 00 

10,500 00 

7,500 00 

7,000 00 

22,800 00 

4,800 00 

4,850 00 

4,050 00 

4,900 00 

9,000 00 

5,250 00 

8,100 00 

9,400 00 

11,280 00 

9,300 00 

12,740 00 

15,000 00 

3,450 00 

9,700 00 

4,850 00 

19,200 00 

10,200 00 

5,200 00 

26,250 00 

10,400 00 

5,150 00 

14,550 00 

24,500 00 

27,250 00 

29,100 00 

26,250 00 

10,700 00 

16,050 00 

27,250 00 

11,700 00 
9,900 00 
5,100 00 
9,900 00 
8,160 00 
9,800 00 
5,750 00 

30,000 00 
5,050 00 
5,000 00 
5,150 00 
4,950 00 

17,550 00 

19,800 00 
5,150 00 

10,100 00 
9,400 00 
5,200 00 

25,500 00 
5,050 00 
5,000 00 

$658,830 00 



126 



THE ALLEMANNIA FIRE INSURANCE CO. 



THE ALLEMANNIA FIRE INSURANCE COMPANY, PITTSBURGH, PA. 

Incorporated April 1, 1868. Commenced business July 1, 1868. 

Cash Capital, $200,000. 

W. STEINMEYER, President. C. P. KELLERMAN, Secretary. 

Home Office, 316 Fourth Avenue, Pittsburgh, Pa. 

Income. 

Net fire premiums, $811,754 52 

Gross interest on mortgages, $55,995.52; collaterals, $1,192.50; 
stocks and bonds, $15,762.30; bank deposits, $2,204.69; all 

other, $229.17; gross rents, $993.50, 76,377 68 

Gross profit on maturity of bonds, . . . . . . 150 00 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, . . . ^ 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ....... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, .... 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, .... 



Balance, ...... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A) , 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 



*,282 20 
1,493,220 09 

52,381,502 29 



$404,765 

8,785 

225,697 

213 

19,537 

42,514 

6,852 

10,216 

7,705 

2,659 

495 

2,847 

10,895 

8,140 

374 

378 

409 

8,976 

5,246 

2,168 

30,000 

135 

1,784 



51 
84 
00 
45 
82 
05 
50 
21 
36 
70 
86 
15 
69 
36 
39 
35 
09 
46 
13 
02 
00 
00 
26 



$800,798 20 
$1,580,704 09 

$60,714 17 
924,675 00 

27,000 00 
299,440 50 

14,867 98 
125,461 71 



THE ALLEMANNIA FIRE INSURANCE CO. 



127 



Agents' balances, . 
Bills receivable, 

Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on: — 
Mortgages, $15,459.88; bonds, $3,552; collateral loans, $331; 

dividends on stocks, $730, ....... 

Market value of real estate over book value, .... 

Market value of stocks and bonds over book value, . 



Gross assets, . . . . . . . 

Assets not admitted. 
Agents' balances over three months due, . . . $3,393 66 

Dividends on stocks, ...... 730 00 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $6,780.15 resisted, $93,785.14; less rein- 
surance, $11,860.42, . . 
Ijnearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 
Due for reinsurance, ...... 



$107,951 53 
20,593 20 

$1,580,704 09 



20,072 88 

1,001 42 

55,689 50 

.,657,467 89 

4,123 66 

.,653,344 23 



Total, . . . 
Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$200,000 00 
603,639 19 



$81,924 72 

751,216 49 

2,205 72 

11,000 00 

1,125 00 

2,233 11 

$849,705 04 



803,639 19 
,653,344 23 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, 

Expired and terminated, 

In force at end of year, .... 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

$148,495,951 00 $1,549,172 37 



113,531,849 00 



1,166,801 76 
25,954 83 



$262,027,800 00 $2,741,928 96 
94,687,771 00 1,031,835 28 



$167,340,029 00 
22,844,802 00 



.,710,093 68 
251,924 48 



$144,495,227 00 $1,458,169 20 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (15 per cent.), 
Par value of company's stock owned by directors, 



$13,150,702 54 

6,254,538 43 

588,600 00 

50,000 00 

416,024 01 

30,000 00 

44,850 00 



128 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



Schedule A. Securities held as Collateral. 



Policy State Mutual Life Assurance Co., . 
153 shares Pittsburgh Plate Glass Co., 

18 " Colonial Trust Co., 
100 " National Lead Co., preferred, . 
100 " Crucible Steel Co., of America, preferred, 



Company's 
Market Value. 
$5,900 00 
15,900 00 \ 

3,150 00 " 
10,500 00 

8,200 00 J 



Loaned 
Thereon. 

$3,000 00 
15,000 00 

9,000 00 



$43,650 00 $27,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Bank Stocks. Book Value. 

92 shares Bessemer Tr. Co., Braddock, Pa., . $9,200 00 

148 " Braddock National, . . . 8,288 00 

Miscellaneous Stocks. 

1 share Western Adj. & Insp. Co., Chicago, . 200 00 

]\yL ztTficuyciL SoTtds 

Fairmount, W. Va., Palatine School 4§s, 1915, . 19,027 50 

Glassport, Pa., 5s, 1912, . 

Glassport, Pa., 5s, 1913, 

Glassport, Pa., 5s, 1914-15, 

Glassport, Pa., 5s, 1916, . 

Glassport; Pa., 5s, 1917-18, 

Glassport, Pa., 5s, 1919-20, 

Glassport, Pa., 5s, 1921-22 }■ 48,000 00 • 

Glassport, Pa., 5s, 1923-24, 

Glassport, Pa., 5s, 1925-27, 

Glassport, Pa., 5s, 1928-29, 

Glassport, Pa., 5s, 1930-32, 

Glassport, Pa., 5s, 1933-36, 

Glassport, Pa., 5s, 1937, . 

New Brighton, Pa., 5s, 1913, 

New Brighton, Pa., 5s, 1915, 

New Brighton, Pa., 5s, 1917, 

New Brighton, Pa., 5s, 1919, 

New Brighton, Pa., 5s, 1921, 

New Brighton, Pa., 5s, 1923-25, . . . j 

Railroad Bonds. 
Ft. Wayne & Wabash Valley Trac. Co. 5s, 1934, 
Indiana, Col. & Eastern Trac. Co. 5s, 1926, 
Pittsburg & Butler Street 5s, 1935, . 
Youngstown & Sharon Ry. & Lt. Co. 5s, 1931, . 

Miscellaneous Bonds. 
Greenville, Pa., Water Co. 5s, 1932, 
Jamison Coal Co., Pittsburg, Pa., 5s, 1930, 
Keystone C. & Coke Co., Greensburg, Pa., 6s, 1923, 
Monongahela Riv. Cons. C. & Coke Co. 6s, 1949, 
Mt. Pleasant Coke Co., Greensburg, Pa., 6s, 1923, 
Pittsburg-Buffalo Co. 5s, 1929, 
St. Louis Smelting & Refining Co. 5s, 1920, 



16,000 00 i 



19,000 00 

9,650 00 

10,000 00 

26,650 00 

30,000 00 
19,000 00 
30,550 00 
10,900 00 
10,000 00 
9,975 00 
23,000 00 

$299,440 50 



Rate. 
150 
400 

200. 

100 
100 
101 
102 
103 
104 
105 
106 
107 
108 
109 
110 
111 
112 
101 
102 
103 
104 
105 
106 

86 
91 
75 

97 

100 
100 
100 
115 
100 
100 
100 



Market Value. 

$13,800 00 

59,200 00 

200 00 

19,000 00 
1,000 00 
1,010 00 
2,040 00 
1,030 00 
2,080 00 
3,150 00 
4,240 00 
4,280 00 
6,480 00 
4,360 00 
6,600 00 

12,210 00 
3,360 00 
2,020 
3,060 
2,060 
3,120 
2,100 00 
4,240 00 



00 
00 
00 
00 



17,200 00 
9,100 00 
7,500 00 

26,190 00 

30,000 00 
20,000 00 
30,000 00 
11,500 00 
10,000 00 
10,000 00 
23,000 00 

$355,130 00 



THE ALLIANCE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated Dec. 5, 1904. Commenced business Jan. 1, 1905. 

Paid-up Capital, $750,000. 

EUGENE L. ELLISON, President. T. HOUARD WRIGHT, Secretary. 

Home Office, 232 Walnut Street. 

Income. 
Net fire premiums, $687,987.43; marine, $268,328.83, . . $956,316 26 

Deposit premiums on perpetual risks, . . . . . 2,185 50 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



129 



Gross interest on stocks and bonds, $70,160.83;* bank deposits, 

$2,170.11; all other, $5.07, 

Gross profit on sale or maturity of stocks and bonds, 
From all other sources, ...... 

Total income, 
Ledger assets, Dec. 31, 1910, plus $250,000 increase in capital, 

J. otai, • ••»... 

Disbursements. 

Net amount paid policy holders for fire losses, 

marine, $176,388.49, 

Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, . . . . 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Deposit premiums returned, 

Dividends to stockholders, 

Agents' balances charged off, 

Scrip redeemed,! . 

Interest to scripholders, 

All other disbursements, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Bills receivable, ...... 

Total ledger assets, .... 



$72,336 01 

4,349 75 

3 90 



n capital, 

• • 


. $1,035,191 
2,109,553 


42 

27 


. $3,144,744 


69 


$320,2 


25.20 


! $496,613 

6,915 

200,665 

10,752 


69 
70 
21 

20 






18,161 
22,350 


39 

46 






3,866 


02 






8,569 

4,564 

1,577 

140 


81 
40 
57 
15 






1,308 


22 






8,890 


94 


axes, 




3,704 

1,033 

12,963 


46 
36 
30 






5,984 


69 






8,501 
34 


41 
00 






40,000 

856 


00 
32 






194,348 
17,167 


16 
60 






100 


00 




$1,069,069 06 




$2,075,675 


63 






$1,803,478 75 
184 08 






128,872 


99 






142,239 
899 


99 

82 



$2,075,675 63 



* Includes interest not due until Jan. 1, 1912. 

t During 1906 the Insurance Commissioner of Pennsylvania required the company to make an assess- 
ment of $10.86 per share to make good an impairment caused by the San Francisco fire. In addition 
to this assessment, stockholders holding 46,944 shares voluntarily advanced $4.14 per share to the surplus, 
receiving therefor scrip certificates bearing 6 per cent, interest and redeemable out of the net earnings 
of the company. 



130 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



Non-Ledger Assets. 
Interest accrued on bonds, ....... 

Salvage, .......... 

Gross assets, . . . . . . . 

Assets not admitted. 

Agents' balances over three months due, . . ■ . $2,147 91 

Book value of stocks and bonds over market value, . 57,718 75 

Salvage, 2,510 00 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $10,425 resisted, $129,453; less rein- 
surance, $18,658, ....... 

Unearned premiums on outstanding risks, 

Reclaimable on perpetual fire policies, . . . . 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Commissions and other charges due agents and brokers, 
Due for reinsurance, . . . .... 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . — 

Total liabilities, including surplus, 

Risks and Premiums. 



$750,000 00 
490,025 93 



$10,339 55 
2,510 00 

$2,088,525 18 



62,376 66 

$2,026,148 52 



$110,795 00 

634,400 60 

13,073 18 

6,458 36 

6,600 00 

12,750 00 

2,045 45 

$786,122 59 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 
Perpetual risks in force (not included above), 



Marine risks in force Dec. 31, 1910, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$87,627,930 00 
84,360,936 00 

$171,988,866 00 
72,711,798 00 

$99,277,068 00 
13,651,116 00 

$85,625,952 00 

$455,900 00 

$10,088,371 00 
41,526,770 00 

$51,615,141 00 
41,387,175 00 

$10,227,966 00 
985,216 00 



1,240,025 93 

$2,026,148 52 



Premiums. 

$1,050,149 24 
1,006,549 73 

$2,056,698 97 
884,784 30 

$1,171,914 67 
173,520 97 

$998,393 70 

$14,525 70 

$256,210 26 
401,637 77 

$657,848 03 
421,401 23 

$236,446 80 
22,853 28 



$9,242,750 00 $213,593 52 



THE ALLIANCE INSURANCE CO. OF PHILADELPHIA. 



131 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Dividends declared during the year, 
Par value of company's stock owned by directors, 



$5,340,677 71 

3,539,642 00 

120,000 00 

326,004 20 

176,718 49 

40,000 00 

65,250 00 



Schedule A. Stocks and Bonds owned by the 



Railroad Stocks. 
560 shares Norfolk & Western, 

Miscellaneous Stocks. 
200 shares American Tel. & Tel. Co., 
1,000 " United Gas Imp. Co., . 

State, County and Municipal Bonds 
Atlanta, Ga., 3fs, 1931, . 
Luzerne County, Pa., 4fs, 1919, 
Luzerne County, Pa., 4£s, 1920, 
New York, N. Y., 3|s, 1954, . 
New York, N. Y., 4s, 1959, 
North Carolina 4s, 1951, . 
Philadelphia, Pa., 3fs, 1932-34, 

Railroad Bonds. 
Atch., Topeka & Santa Fe conv. 4s, 1960, 
Baltimore & Ohio prior lien 3|s, 1925, 
Central Pacific 1st ref. 4s, 1949, 
Central Pacific (Through Short Line) 4s, 1954, 
Chesapeake & Ohio equipment 4s, 1913-14, 
Chicago & Eastern Illinois ref. 4s, 1955, 
Chicago, Burl. & Quincy general 4s, 1958, . 
Coal River 1st 4s, 1945, .... 
Consolidated Traction, N. J., 5s, 1933, 
Erie (Buffalo & Southwestern) 5s, 1918, 
Erie equipment 4s, 1914, 
Georgia Ry. & Electric Co. ref. 5s, 1949, . 
Indiana, Col. & East. Trac. Co. gen. ref. 5s, 1926 
Jefferson 1st extended 5s, 1919, 
Lake Shore & Mich. Southern deb. 4s, 1928, 
Long Island Ferry 1st 4|s, 1922, 
Mobile & Ohio equipment 5s, 1912, . 
New York Central & Hudson Riv. deb. 4s, 1934, 
Norfolk & Western 1st general 4s, 1944, . 
Nor. & West. Ry. & Poca. C. & C. Co. 4s, 1941, 
Pennsylvania & Northwestern general 5s, 1930, 
Pennsylvania convertible 3|s, 1915, . 
Philadelphia Electric 5s, 1948, 
Public Service Corporation, N. J., gen. 5s, 1959, 
Reading Co. (Jersey Central col,.) 4s, 1951, 
Richmond-Washington coll. trust 4s, 1943, 
Rio Grande Western cons. 1st 4s, 1949, 
Southern Pacific 1st ref. 4s, 1955, 
Terminal Asso. of St. Louis gen. ref. 4s, 1953, 
Washington Terminal 1st 3|s, 1945, 

Miscellaneous Bonds. 
American Tel. & Tel. Co. 4s, 1929, . 
Cambria Steel Co. 5s, 1914, 
Lehigh & Wilkes Barre Coal Co. 5s, 1912, 
Manufacturers' Water Co. 1st 5s, 1939, 
Minneapolis Gas Light Co. 1st gen. 5s, 1930, 
Pitts. Term. Warehouse & T. Co. 1st ref. 5s, 1936, 
United States Steel Corporation 5s, 1963, 



Book Value. 
$55,025 00 

27,225 00 
86,265 25 

10,000 00 
10,460 00 
10,490 00 

205,250 00 
50,570 00 
20,150 00 

205,550 75 



Company. 

Rate. Market Value. 
108 $60,480 00 



00 
00 
00 
00 
00 
00 
50 
50 



15,206 25 
9,200 00 
33,425 
47,125 
48,857 
19,100 
19,325 
14,475 
27,197 
14,812 
23,210 00 
14,812 50 
22,750 00 
12,030 00 
50,062 50 
15,225 00 
14,517 00 
50,062 50 
45,800 00 
23,906 25 
25,156 25 
8,900 00 
51,170 00 
48,000 00 
49,578 75 
10,350 00 
22,968 75 
14,175 00 
49,625 00 
47,837 50 

45,125 00 
50,187 50 
14,385 00 
. 10,162 50 
50,290 00 
24,875 00 
78,607 50 

.,803,478 75 



140 
174 

91 
103 
104 

88 
100 
101 

94 

101 
92 
96 
93 
99 
80 
97 
87 

104 

103 
98 
99 
91 

104 
94 
99 

100 
93 
94 
92 

108 
97 

103 
93 
98 
97 
81 
95 
95 



90 
100 
100 
102 
100 
100 
102 



28,000 00 
87,000 00 

9,100 00 

10,300 00 

10,400 00 

176,000 00 

50,000 00 

20,200 00 

188,000 00 

15,150 00 
9,200 00 
33,600 00 
46,500 00 
49,500 00 
16,000 00 
19,400 00 
13,050 00 
26,000 00 
15,450 00 
24,500 00 
14,850 00 
22,750 00 
12,480 00 
47,000 00 
14,850 00 
15,000 00 
46,500 00 
47,p00 00 
23,000 00 
27,000 00 
9,700 00 
51,500 00 
46,500 00 
49,000 00 
9,700 00 
20,250 00 
14,250 00 
47,500 00 
48,400 00 

45,000 00 
50,000 00 
14,000 00 
10,200 00 
50,000 00 
25,000 00 
76,500 00 

$1,745,760 00 



132 



AMERICAN INSURANCE CO. 



AMERICAN INSURANCE COMPANY, NEWARK, N. J. 

Incorporated Feb. 20, 1846. Commenced business April 1, 1846. 

Paid-up Capital, $1,000,000. 

PHILEMON L. HOADLEY, President. C. WESTON BAILEY, Secretary. 

Home Office, 70 Park Place. 



Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $82,177.76; stocks and bonds, 
$275,860.70; bank deposits, $3,001.38; all other, $1,756.97; 
gross rents, including $16,151.46 for company's own occu- 
pancy, $24,640.53, . . 

Agents' balances previously charged off, ..... 

Sale of rights, ........ 

Total income, . . . * . 

Ledger assets, Dec. 31, 1910, . 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $16,151.46 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

Repairs and expenses on real estate, 

Taxes on real estate, . . 

State taxes on premiums, . . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Dividends to policy holders, . . . 

Agents' balances charged off, ..... 

Gross decrease in book value of stocks and bonds, 
All other disbursements, . . 

Total disbursements, ..... 

Balance, . . . 

Ledger Assets. 
Book value of real estate, ..... 
Mortgage loans on real estate, . . 

Book value of stocks and bonds (schedule A), . 



1,570,998 30 



387,437 34 

169 17 

1,164 84 



$3,959,769 65 


9,109,928 76 


$13,069,698 41 


$1,907,098 19 


52,746 24 


878,586 68 


94,520 39 


161,106 70 


16,181 86 


33,812 14 


26,440 55 


556 28 


3,657 39 


6,880 66 


21,566 73 


28,602 22 


21,116 77 


1,250 18 


7,613 73 


59,351 88 


18,891 75 


14,974 88 


230,000 00 


54 00 


814 63 


24,734 22 


22,744 53 


$3,633,302 60 



$9,436,395 81 

$468,000 00 
1,658,890 75 
6,099,935 84 



AMERICAN INSURANCE CO. 



133 



Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Total ledger assets, 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $22,092.51; bonds, $54,386.68, 
Rents due on company's property, .... 



Gross assets,* ........ 

Assets not admitted. 

Agents' balances over three months due, . . . $1,673 04 

Bills receivable, past due, taken for premiums, . . 46,303 23 

Book value of stocks and bonds over market value, 119,305 84 



Admitted assets, . . . ... 

Liabilities. 

Unpaid losses, including $32,900 resisted, $418,137.45; less rein- 
surance, $94,087.66, . . . m 

Unearned premiums on outstanding risks, .... 

Dividends declared and unpaid to stockholders, $60,000; to policy 
holders, $105, 

Salaries, expenses and accounts, due or accrued, 

Federal, state and other taxes, due or accrued, 

Commissions and other charges due agents and brokers, 

Special reserve fund, ........ 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$1,000,000 00 
2,934,295 30 



Total liabilities, including surplus, 

Risks and Premiums. 



$617 76 

25,000 00 

295,651 52 

549,963 99 

338,335 95 

),436,395 81 



76,479 19 
66 66 

),512,941 66 



167,282 11 
59,345,659 55 

$324,049 79 
4,513,549 97 

60,105 00 
2,500 00 

40,000 00 
171,159 49 
300,000 00 

15,411,364 25 

3,934,295 30 
$9,345,659 55 

Premiums. 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$914,405,959 00 $9,606,536 94 
481,382,947 00 4,974,915 34 



$1,395,788,906 00 $14,581,452 28 
. 441,472,281 00 4,712,627 25 



$954,316,625 00 $9,868,825 03 
84,483,053 00 920,850 40 



$869,833,572 00 $8,947,974 63 



* Including S300.000 special reserve held under New Jersey laws. The company holds also instalment 
premium notes to the amount of $206,132.89, which do not enter into or form any part of the assets of the 
company, as no portion of them is earned. Whatever value is attached to them would necessarily be 
counterbalanced by the addition of an amount exactly equal to the reinsurance liability, the entire sum 
consisting of "unearned premiums." 



134 



AMERICAN INSURANCE CO. 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (24 per cent.), 

Par value of company's stock owned by directors, 



$42,100,545 01 
20,030,316 44 
3,728,058 26 
600,000 00 
1,892,090 49 
240,000 00 
106,245 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
700 shares Atch., Top. & Santa Fe, preferred, 



600 

1,000 
500 
500 
700 
300 
500 

5,000 
200 
500 
500 

1,050 
500 
500 

2,000 



500 
5 
5 
1 



Baltimore & Ohio, preferred, 
Chicago, Mil. & St. Paul, pref., 
Chicago & Northwestern, 
Chic, St. Paul, Minn. & O., pref., 
Great Northern, preferred, 
Illinois Central, 
Louisville & Nashville, . 
Morris & Essex, . 
New York, N. H. & Hartford, 
Norfolk & Western, 
Northern Pacific, . 
Pennsylvania, 

Pitts., Cin., Chicago & St. L., pref. 
Union Pacific, preferred, 
United N. J. R. R. & Canal Co., 
Miscellaneous Stocks. 
600 shares American Tel. & Tel. Co., 

General Adj. Bureau of N. Y., 
Pullman Co., 

Underwriters' Sal. Co., Chicago, 
" Underwriters' Sal. Co., N. Y., 
share Western Adj. & Insp. Co., Chicago, 

Government Bonds. 
District of Columbia 3.65s, 1924, 
United States 2s, 1930, .... 

County and Municipal Bonds. 
Bayonne, N. J., 5s, 1928, 
Essex County, N. J., Hospital 4s, 1947-49, 
Madison, N. J., 4|s, 1916, 
Newark, N. J., School 4s, 1957, 

Railroad Bonds. 
Central of New Jersey general 5s, 1987, 
Consolidated Traction Co. 5s, 1933, 
Easton & Amboy 5s, 1920, 
Lehigh Valley Terminal 5s, 1941, 
Midland of New Jersey 5s, 1940, 
Morris & Essex 1st 7s, 1914, . 
Morris & Essex 1st consol. 7s, 1915, 
Newark Passenger 5s, 1930, 
New York & Greenwood Lake 5s, 1946, 
New York, Susquehanna & West. Term. 5s, 1943, 
North Hudson County 5s, 1928, 
Trenton Passenger consolidated 6s, 1923, 
Trenton Passenger consolidated 6s, 1925, . 
Trenton Passenger consolidated 6s, 1926, . 
Trenton Passenger consolidated 6s, 1927-28, 
Trenton Passenger consolidated 6s, 1931, . 
United New Jersey R. R. & Canal gen. 4s, 1929, 
United New Jersey R. R. & Canal gen. 4s, 1944, 
West Jersey & Seashore 1st 3§s, 1936, 
West Jersey & Seashore 1st 4s, 1936, 

Miscellaneous Bonds. 
American Dock & Improvement Co. 5s, 1921, 
Long Dock consolidated 6s, 1935, 
N. Y., L. Erie & West. Docks & Imp. Co. 6s, 1913, 
Newark Gas Co. 1st 6s, 1944 



Book Value. 

$72,862 50 
54,100 00 

159,900 00 
75,562 50 
78,324 72 
94,137 50 
44,537 50 
71,262 50 

461,334 64 
31,259 38 
50,287 50 
68,875 00 
69,472 66 
56,687 50 
47,162 50 

520,927 50 

80,837 50 
400 00 

82,245 00 
500 00 
500 00 
100 00 

33,426 39 
30,000 00 

136,256 25 

203,037 54 

7,000 00 

101,820 00 

300,808 53 

130,945 13 

228,614 02 

245,689 80 

124,288 50 

42,500 79 

235,860 40 

138,418 67 

139,586 56 

163,215 69 

130,210 60 

2,273 40 

3,460 14 

3,491 04 

10,590 28 

29,907 11 

51,615 43 

104,657 00 

14,641 50 

100,000 00 

364,208 90 

437,841 95 

202,120 60 

262,173 22 

>,099,935 84 



Rate. Market Value. 

104 $72,800 00 

90 54,000 00 
145 145,000 00 
145 72,500 00 
155 77,500 00 
127 88,900 00 
140 42,000 00 
155 77,500 00 
175 437,500 00 
137 27,400 00 
108 54,000 00 
118 59,000 00 
123 64,575 00 

108 54,000 00 
93 46,500 00 

240 480,000 00 

140 84,000 00 

100 400 00 

159 79,500 00 

100 500 00 

125 625 00 

200 200 00 

106 31,800 00 

100 30,000 00 

110 137,500 00 
100 200,000 00 

100 7,000 00 

101 101,000 00 

122 289,140 00 

104 126,880 00 

106 227,900 00 
113 254,250 00 

111 126,540 00 

107 42,800 00 

109 239,800 00 

108 135,000 00 
103 134,930 00 

109 156,960 00 
103 128,750 00 

111 2,220 00 

112 3,360 00 

113 3,390 00 

114 10,260 00 
116 29,000 00 

101 50,500 00 

102 102,000 00 

91 13,650 00 
100 100,000 00 

109 370,600 00 

125 445,000 00 
102 199,920 00 

126 262,080 00 

$5,980,630 00 



AMEKICAN CENTRAL INSURANCE CO. 



135 



AMERICAN CENTRAL INSURANCE COMPANY, ST. LOUIS, MO. 

Incorporated February, 1853. Commenced business February, 1853. 
Paid-up Capital, $2,000,000. 
EDWARD T. CAMPBELL, President. B. G. CHAPMAN, Jr., Secretary. 

Home Office, 816 Olive Street. 

Income. 
Net fire premiums, . ..... 

Gross interest on mortgages, $1,794; collaterals, $24,234.45; 

stocks and bonds, $191,226.83; bank deposits, $528.94; all 

other, $53.17, 

Gross profit on sale of stocks and bonds, . 
From all other sources, .... 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements 



Net amount paid policy holders for fire losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Agency expenses, ..... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders,! 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 



!,599,617 70 



217,837 39 

14,926 95 

30 00 



$2,832,412 04 
5,602,518 15 

$8,434,930 19 



$1,679,835 25 

22,175 40 

507,003 44 

70,679 82 

135,743 13 

94,200 53 

12.149 26 

29,903 70 

23,973 16 

6,044 69 

2,983 58 

7,333 63 

27,725 25 

5,077 97 

15,360 47 

48,169 41 

18,413 01 

28,596 85 

240,000 00 

$2,975,368 55 

$5,459,561 64 



$29,900 00 

421,900 00 

4,413,882 80 

13,782 93 

86,709 80 

40,000 00 

452,093 20 

1,292 91 



Total ledger assets, 



$5,459,561 64 



136 



AMERICAN CENTRAL INSURANCE CO. 



Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $358.80; bonds. $45,126.74; collateral loans, $875, 



Gross assets, . . . ... 

Assets not admitted. 

Agents' balances over three months due, . . . $7,594 95 
Book value of stocks and bonds over market value, . 26,669 80 
Special deposits less $13,508.21 liability thereon, . 1,436 79 



$46,360 54 
$5,505,922 18 



Admitted assets, 



35,701 54 
),470,220 64 



Liabilities. 
,800 resisted, $322,331.33; less rein- 



Unpaid losses, including 
surance, $109,098.68, . 
Unearned premiums on outstanding risks, 
Dividends declared and unpaid to stockholders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 

Total, 

Cash capital, . ..... 

Surplus over all liabilities, . 
Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 



$2,000,000 00 
857,451 06 



$213,232 65 

2,365,103 25 

838 48 

3,595 20 

30,000 00 

$2,612,769 58 



2,857,451 06 
$5,470,220 64 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$480,087,577 00 
347,564,227 00 

$827,651,804 00 
324,449,762 00 

$503,202,042 00 
78,632,635 00 



Premiums. 

$5,433,107 16 
3,988,250 34 

$9,421,357 50 
3,874,999 81 

$5,546,357 69 
941,888 15 



$424,569,407 00 $4,604,469 54 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (12 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 



$45,434,146 83 

24,604,762 15 

3,357,931 00 

1,647,616 63 

240,000 00 

447,000 00 



996 shares Broadway Real Estate Co., St. Louis, 
700 " Wagner Electric Mfg. Co., St. Louis, _ 
500 " National Bank of Commerce, St. Louis, . 
500 " Westinghouse Air Brake Co., Pittsburgh, 
400 " Chicago Ry. Equipment Co., 



Company's 
Market Value. 

$149,400 00 } 

87,500 00 | 

103,500 00 }■ 

76,000 00 | 

32,000 00 J 



Loaned 
Thereon. 



$310,000 00 



AMERICAN CENTRAL INSURANCE CO. 



137 



1,000 shares North American Co., N. J., . 
200 " Third National Bank, St. Louis, 
119 " Wagner Elec. Mfg. Co., St. Louis, 



Company's 
Market Value. 

.^7(3,000 00 \ 
63,600 00/ 
14,875 00 



Loaned 
Thereon. 

$100,000 00 
11,900 00 



$602,875 00 $421,900 00 



Schedule B. Stocks and Bonds owned by the 



Railroad Stocks. 
1,100 shares Pennsylvania, . . . 

300 " United Railways, pref., St/Louis, 

Bank Stocks. 
100 shares Boatmen's, St. Louis, 
68 " Mechanics- American Nat., St. Louis, 
100 " Mercantile Trust Co., St. Louis, 
3,505 " National Bank of Com., St. Louis, . 
200 " St. Louis Union Tr. Co., St. Louis, . 
250 " Third National, St. Louis, 
Miscellaneous Stocks. 
2 shares General Adjust. Bureau, N. Y. f 
500 " Hargadine-McKittrick Dry Goods 
Co., St. Louis, 1st preferred, 
57 " Laclede Gas Light Co., pref., St. L., 

Ill " Laclede Gas Light Co., com., St. L., 
5 " St. Louis Coliseum Co., St. Louis, 
4 " Southern Adj. Bureau, Atlanta, Ga., 
5 " Underwriters' Salvage Co., Chicago, 
300 " Union Sand & Material Co., St. L.,. 
1 share Western Adj. & Insp. Co., Chicago, 

State, County and Municipal Bonds. 
Bowie County, Texas, 4|s, 1949, 
Dona Ana County, N. M., 6s, 1925, 
Enid, Okla., 5s, 1934, 
Fort Worth, Texas, 4s, 1941, . 
Georgia 4|s, 1915, . 
Newberry, S. C, School 4|s, 1949, 
New York City, N. Y., 4s, 1956, 
Peirce City, Mo., 5s, 1917, 
Portland, Ore., 4s, 1928, . 
Richmond, Virginia, 4s, 1940, . 
Selkirk, Manitoba, 5s, 1945, . 
Selkirk^ Manitoba, 5s, 1958-59, 
. Winnipeg, Manitoba, 4s, 1928, 

Railroad Bonds. 
Atch., Topeka & Santa Fe adjustment 4s, 1995, 
B. & O. (Pitts., L. Erie & W. Va.) 4s, 1941, 
Boston & Maine 4fs, 1929,, 
Canadian Northern Equipment 1st 4fs, 1917, 
Central of Georgia consolidated 5s, 1945, . 
Central Pacific 1st refunding 4s, 1949, 
Chesapeake & Ohio general 4|s, 1992, 
Chesapeake & Ohio Gen. Fund. & I. 5s, 1929, 
Chicago, Burl. & Quincy 4s, 1921, 
Chicago City 1st 5s, 1927, 
Chicago Railways Co. 1st 5s, 1927, . 
Chicago, Milwaukee & St. P. deb. 4s, 1934, 
Chic, Rock Island & Pac. 1st ref. 4s, 1934, 
Colorado & Southern refunding 4§s, 1935, . 
Columbia & St. Louis 1st 4s, 1942, . 
East St. L. & Suburban Co., N. J., coll. tr. 5s, 1932, 
Fort Worth & Denver City 1st 6s, 1921, 
Fort Worth & Rio Grande 1st 4s, 1928, 
Houston Belt & Terminal 1st 5s, 1937, 
Illinois Central 1st ref. 4s, 1955, 
Illinois Central St. Louis Div. & Term., 3s, 1951, 
Kanawha & Michigan 2d 5s, 1927, 
Kansas City, Fort Scott & Memp. ref. 4s, 1936, 
Kansas City Ry. & Light Co. 5s, 1913, 
Kansas City Southern 1st 3s, 1950, . 
Lake Shore & Michigan Southern deb. 4s, 1928, , 



Book Value. 

$70,316 86 

24,275 00 

11,800 00 
21,109 81 
34,550 00 
679,354 56 
75,675 00 
76,250 00 

100 00 

60,000 00 
3,282 00 
549 87 
500 00 
200 00 
500 00 

23,800 00 
125 00 



25,000 
10,000 
25,625 
8,775 
11,725 
10,375 
200,500 
14,000 
53,000 
50,625 

] 5,285 

9,875 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 

00 | 
00 



45,937 50 
47,750 00 
52,375 00 
22,532 50 
55,687 50 
24,250 00 
53,343 75 
50,468 75 
12,870 00 
47,810 00 
25,187 50 
47,625 00 
22,625 00 
24,343 75 
28,000 00 
47,250 00 
57,556 25 
23,025 00 
50,000 00 
24,937 50 
8,800 00 
24,000 00 
86,625 00 
24,250 00 
17,875 00 
23,812 50 



Company. 

Rate. Market Value. 

123 $67,650 00 

41 12,300 00 

235 

298 
333 
207 
490 
318 

100 

80 
100 
109 
100 
100 
100 

80 
200 

98 
100 
101 

91 
102 
100 

99 
100 

97 

97 
104 
105 

97 

91 

91 
102 

98 
109 

96 
102 
104 

99 
103 
100 

93 
J89 

97 

85 

96 
113 

82 
100 

96 

75 

99 

80 

90 

74 

94 



23,500 00 
20,264 00 
33,300 00 
725,535 00 
98,000 00 
79,500 00 

100 00 

40,000 00 

5,700 00 

1,199 00 

500 00 

200 00 

500 00 

24,000 00 

200 00 

24,500 00 

10,000 00 

25,250 00 

8,190 00 

10,200 00 

10,000 00 

198,000 00 

14,000 00 

48,500 00 

48,500 00 

520 00 

4,725 00 

9,700 00 

45,500 00 
45,500 00 
51,000 00 
24,500 00 
54,500 00 
24,000 00 
51,000 00 
52,000 00 
12,870 00 
51,500 00 
25,000 00 
46,500 00 
22,250 00 
24,250 00 
27,200 00 
48,000 00 
56,500 00 
20,500 00 
50,000 00 
24,000 00 
7,500 00 
24,750 00 
80,000 00 
22,500 00 
18,500 00 
23,500 00 



138 



THE AMERICAN DRUGGISTS FIRE INSURANCE CO. 



Lake Shore & Michigan Southern deb. 4s, 1931, 
Little Rock & Hot Springs West. 4s, 1939, 
Mississippi Riv. & Bonne Terre 1st 5s, 1931, 
Missouri, Kansas & Texas 1st and ref. 4s, 2004, 
Missouri Pacific 4s, 1945, 
New York Central Lines equip. 5s, 1914, . 
New York Central Lines equip. 5s, 1915, . 
Norfolk & Western Div. 1st gen. 4s, 1944, 
Nor. Pac.-Gt. Nor. (C, B. & Q. Coll.) 4s, 1921, 
Oregon Short Line refunding 4s, 1929, 
Rock Island-Frisco Terminal 1st 5s, 1927, 
St. Clair, Madison & St. Louis Belt 4s, 1951, 
St. L., Iron Mt. & So. unifying and ref. 4s, 1929. 
St. L., Iron Mt. & So. gen. consol. 5s, 1931, 
St. L., Iron Mt. & So. (Riv. & Gulf Div.) 4s, 1933, 
St. Louis & San Francisco refunding 4s, 1951, 
St. Louis & San Francisco general 5s, 1927, 
St. Louis Southwestern 1st consol. 4s, 1932, 
St. Louis & Suburban general 5s, 1923, 
Southern Pacific 1st refunding 4s, 1955, 
Tennessee Central general 5s, 1954, . 
Tidewater Co. 1st 6s, 1913, . 
Union Depot 1st 6s, 1918, 
Union Pacific convertible 4s, 1927, . 
United Railways Co. 1st gen. 4s, 1934, 
Wichita Falls & Northw. 1st and ref. 5s, 1940, 
Western Pacific 1st 5s, 1933, . 
Western Maryland 1st 4s, 1952, 

Miscellaneous Bonds. 
Commonwealth-Edison Co., Chicago, 1st 5s, 1943, 
Cons. Gas, El. Lt. & P. Co., Bait., col. tr. 5s, 1913, 
Cum. C. & Coke Co., Jersey City, N. J., 6s, 1913, 
Frisco Annex Realty Co. 5s, 1928, . . ' . 

International Steam Pump Co. 5s, 1929, . 
Kinloch Long-Distance Tel. Co. 5s, 1929, . 
Laclede Gas Light Co. 1st 5s, 1919, 
Lincoln Real Estate & Building Co. 6s, 1923, 
Missouri Electric Light & Power Co. 6s, 1921, . 
Mortgage Bond Co. of New York 4s, 1966, 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Peoples' Gas Light & Coke Co., Chicago, 5s, 1947, 
Simmons Warehouse Co. 5s, 1915, 
Underwriters Building Co., New York, 5s, 1928, 
Western Electric Co. 1st 5s, 1922, . 
Wright Building Co., St. Louis, 5s, 1931, . 



Book Value. 

$22,156 25 
27,868 75 
29,700 00 
62,000 00 
47,640 62 
49,000 00 
24,500 00 
21,781 25 
48,437 50 
23,468 75 
50,500 00 
30,430 00 
69,187 50 
26,875 00 
43,500 00 
62,037 65 
44,750 00 
39,905 92 
49,250 00 
47,531 25 

123,093 87 
49,250 00 

109,937 50 
22,437 50 
48,261 25 
24,250 00 
24,468 75 
21,750 00 

25,875 00 
24,312 50 
24,000 00 
55,000 00 
23,312 50 
47,285 00 
70,137 45 
79,146 69 
98,640 00 
22,437 50 
47,968 75 
25,875 00 
25,125 00 
25,000 00 
49,562 50 
70,125 00 

t,413,882 80 



Rate. 

93 

83 

100 

80 

70 

101 

102 

94 

97 

94 

101 

82 

80 

106 

83 

80 

88 

79 

90 

95 

50 

101 

106 

103 

78 

98 

89 



103 

100 

80 

100 

92 

87 

102 

103 

109 

87 

99 

102 

100 

100 

102 

99 



Market Value. 

$23,250 00 
24,900 00 
30,000 00 
60,000 00 
35,000 00 
50,500 00 
25,500 00 
23,500 00 
48,500 00 
23,500 00 
50,500 00 
31,160 00 
60,000 00 
26,500 00 
41,500 00 
53,600 00 
44,000 00 
39,500 00 
45,000 00 
47,500 00 

116,500 00 
50,500 00 

106,000 00 
25,750 00 
42,900 00 
24,500 00 
22,250 00 
22,000 00 



25,750 
25,000 
22,000 
55,000 
23,000 
42,630 
76,500 
77,250 
95,920 
21,750 
49,500 
25,500 
25,000 
25,000 
51,000 
74,250 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



[, 387,213 00 



THE AMERICAN DRUGGISTS' FIRE INSURANCE COMPANY, 

CINCINNATI, 0. 

Incorporated February, 1906. Commenced business Jan. 15, 1907. 
Cash Capital, $200,000. 
CHARLES H. AVERY, President. FRANK H. FREERICKS, Secretary. 

Home Office, Mercantile Library Building. 

Income. 

Net fire premiums, '. . $81,047 89 

Gross interest on bonds, $11,524.48; bank deposits, $64.59, . 11,589 07 

Agents' balances previously charged off, ..... 37 50 r 

Gross increase in book value of bonds, ..... 46 93 

From all other sources, . . . . . . . . 20 00 



Total income, 
Ledger assets, Dec. 31, 1910, 



$92,741 39 
293,324 66, 



Total, 



$386,066 Of 



THE AMERICAN DRUGGISTS' FIRE INSURANCE CO. 



139 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Gross decrease in book value of ledger assets, . 

All other disbursements, ..... 

' Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Furniture and fixtures, ..... 

Total ledger assets, .... 



$17,639 05 
609 98 


10,014 41 


889 80 


10,416 47 
480 00 


3,376 58 

1,030 91 

161 22 


171 61 


1,629 64 


1,683 69 
464 71 


16,000 00 
974 44 


888 05 


$66,430 56 


$319,635 49 


$292,822 98 

1,090 93 

13,788 68 

11,371 30 

561 60 


$319,635 49 



Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $4,449.17; other assets, $169.71, . 

Gross assets, ...... 

Assets not admitted. 
Furniture and fixtures, ..... 
Book value of bonds over market value, . 

Admitted assets, ..... 



$561 60 
1,667 97 



Liabilities. 
Unpaid losses, ....... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Commissions and other charges due agents and brokers, 



Total, . 
Cash capital, 

; Surplus over all liabilities, 
Surplus to policy holders, 



$200,000 00 
74,879 79 



4,618 88 



$324,254 37 



2,229 57 
$322,024 80 



$1,500 00 

41,975 69 

633 48 

1,560 34 

1,475 50 

$47,145 01 



274,879 79 



Total liabilities, including surplus, 



$322,024 80 



140 



THE AMERICAN DRUGGISTS FIRE INSURANCE CO. 



Risks and Premiums. 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . \ . 
Expired and terminated, 

In force at end of year, . 



$6,011,986 00 
8,110,297 00 

$14,122,283 00 
6,188,317 00 



Premiums. 

$66,296 61 
83,863 46 

$150,160 07 
66,792 28 



$7,933,966 00 $83,367 79 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (8 per cent.), 
Par value of company's stock owned by directors, 



Schedule A. Bonds owned by the Company. 



Government Bonds. 
United States 3s, 1918, . 

County and Municipal Bonds. 
Cambridge, O., 4|s, 1918-19, 
Chardon, O., 4§s, 1925-31, 
Cincinnati, O., Trunk Sewer 4s, 1932, 
Cleveland, O., 4s, 1918j . 
Cleveland, 0. A 5s, 1922":, . 
Cleveland, O., 4|s, 1930, 
Cleveland, O., 4s, 1924, . 
Cleveland, O., 4|s, 1920, 
Columbus, O., School 3|s, 192,1, 
Columbus, O., 4s, 191Q, . 
Conneaut, O., 4|s, 1914, 
Conneaut, O., 4|s, 1915-17, 
Conneaut, O., 4§s, 1918, 
Cuyahoga County, 0.,4|s, 1913-14, 
Cuyahoga County, O., 4|s, 1918, 
Cuyahoga Falls, O., 5s, 1912, . 
Cuyahoga Falls, O., 5s, 1915, . 
Cuyahoga Falls, O., 5s, 1916-17, 
Cuyahoga Falls, O., 5s, 1918, . 
Cuyahoga Falls, O., 5s, 1919-20, 
Cuyahoga Falls, O., 5s, 1921-22, 
Cuyahoga Falls, O., 5s, 1923-24, 
Cuyahoga Falls, O., 5s, 1925-26, 
Evanston, O., 6s, 1918, . 
Evanston, O., 6s, 1920, . 
Evanston, O., 6s, 1922, . 
Evanston, O.', 6s, 1924, . 
Hamilton, O., 4s, 1926, . 
Lorain, O., 4fs, 1912, 
Lorain, O., 4fs, 1913, 
Madisonville, O., 5s, 1924, 
Mahoning County, O., 4|s, 1913, 
Manchester, O., 5s, 1931-32, 
Manchester, O., 5s, 1933-36, 
Manchester, O., 5s, 1937-38, 
Middletown, O., School 4|s, 1915, 
Middletown, O., School 4£s, 1916-17, 
Middletown, O., School 4£s, 1918-20, 
Middletown, O., School 4§s, 1921-22, 
Newark, O., 4§s, 1913-14, 
Newark, 0., 4|s, 1915-17, 
Newark, O., 4|s, 1918-19, 
Newark, O., 4|s, 1920-22, 



Book Value. 
£10,144 42 

11,180 69 

6,307 98 

2,992 82 

1,000 00 

10,917 91 

10,287 72 

13,184 35 

997 71 

29,718 75 

2,000 00 

20,307 08 \ 
28,432 65 



6,879 67 



.•2,264 76 

10,249 30 
5,005 50 
2,017 87 
2,731 96 
1,005 64 



f 4,561 56 i 



10,221 52 



10,228 11 



Rate. 
102 

103 
103 
100 
101 
110 
104 
101 
101 
97 
101 
101 
102 
103 
101 
104 
100 
103 
104 
105 
106 
107 
108 
109 
111 
113 
116 
118 
100 
100 
101 
110 
101 
110 
111 
112 
102 
103 
104 
105 
101 
102 
103 
104 



$251,012 49 
62,025 91 
28,000 00 
19,139 05 
16,000 00 
19,075 00 



Market Value. 
$10,200 00 

11,144 93 
6,180 00 
3,000 00 
1,010 00 

11,000 00 

10,400 00 

13,130 00 
1,010 00 

29,100 00 
2,020 00 
4,040 00 

12,240 00 
4,120 00 

20,200 00 

8,320 00 

500 00 

515 00 

1,040 00 

525 00 

1,060 00 

1,070 00 

1,080 00 

1,090 00 

555 00 

565 00 

580 00 

590 00 

10,000 00 
5,000 00 
2,020 00 
2,750 00 
1,010 00 
1,100 00 
2,220 00 
1,120 00 
1,020 00 
2,060 00 
3,120 00 
4,200 00 
2,020 00 
3,060 00 
2,060 00 
3,120 00 



UNDERWRITERS AT AMERICAN LLOYDS. 



141 



Newark, O., 5s, 1912, . . • . 

Newark, O., 5s, 1913, 

Newark, O., 5s, 1914, 

Newark, O., 5s, 1915, 

Norwood, O., Hazel Ave. Imp. 4£s, 1912, 

Norwood, O., Hazel Ave. Imp. 4|s, 1913, 

Norwood, O., Feldman Ave. Imp. 4fs, 1912, 

Norwood, O., Feldman Ave. Imp. 4£s, 1913-14, 

Norwood, O., Feldman Ave. Imp. 4£s, 1915-17, 

Norwood, O., Feldman Ave. Imp. 4§s, 1918, 

Norwood, O., 5s, 1914, . 

Piqua, O., 3£s, 1925, 

Richwood, O., 4£s, 1921-22, 

Scio, O., 4§s, 1921-23, . 

Scio, O., 4|s, 1925-28, . 

Tiffin, O., 4s, 1916, 

Vermillion, O., 5s, 1918, . 

Vermillion, O., 5s, 1919, . 

Vermillion, O., 5s, 1921-22, 

Vermillion, O., 5s, 1923, . 

Wapakoneta, O., 5s, 1913, 

Wauseon, O., School 4Js, 1914, 

Wauseon, O., School 4^s, 1916, 

West Milton, O., 4Js, 1940-42, 



Book Value. 



$4,070 09 



974 27 



3,968 46 

3,574 33 

19,795 45 

5,162 50 

7,900 74 
25,190 22 

9,519 15 

503 58 
4,068 72 
5,457 50 

$292,822 98 



Rate. 
100 
101 
102 
103 
100 
101 

ioo 

101 
102 
103 
102 
95 
104 
103 
104 
100 
105 
106 
107 
108 
101 
101 
102 
106 



85 
71 
15 
46 
94 
97 
00 



Market Value. 

$1,000 00 

1,010 00 

1,020 00 

1,030 00 

485 

490 

558 
1,127 
1,707 

574 
3,570 
19,000 00 
5,200 00 
3,090 00 
4,680 00 
25,000 00 
2,100 00 
2,120 00 
4,280 00 
1,080 00 

505 00 
2,020 00 
2,040 00 
5,300 00 

$291,155 01 



UNDERWRITERS AT AMERICAN LLOYDS, NEW YORK, N. Y. 

Commenced business April 30, 1890. 
HALL & TROWBRIDGE, Attorneys. 

Home Office, 128 William Street. 

Income. 
Net fire premiums, ........ 

Gross interest on collaterals, $528.44; bonds, $34,001; bank 

deposits, $825.39, 

Borrowed money, . . . . . . . . . 

Deposits of new subscribers, ....... 

Refund on reinsurance of subscriber's account, 

Total income, ... 
Ledger assets, Dec. 31, 1910, : 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, . - . 

Advertising, printing and stationery, 

Legal expenses, ....... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage* corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Dividends to subscribers, 

Borrowed money repaid, 



$259,384 26 

35,354 83 

25,000 00 

14,000 00 

281 29 

$334,020 38 
989,526 95 

1,323,547 33 



$96,965 12 

1,478 35 

83,263 56 

4,755 00 

1,124 18 

529 93 

65 90 

1,916 44 

47 85 

3,067 80 

914 15 

1,184 50 

54,987 29 

25,000 00 



142 



UNDERWRITERS AT AMERICAN LLOYDS. 



Interest on borrowed money, . 

Paid retiring subscribers, ...... 

All other disbursements, . . . 

Total disbursements, ...... 

Balance, ........ 

Ledger Assets. 

Loans secured by collateral (schedule A), 

Book value of bonds (schedule B), . 

Deposits in trust companies and banks on interest, . 

Agents' balances, . . . . . 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on: — 
Bonds, $7,988; collateral loans, $41.67, . . 

Market value of bonds over book value, . 

Gross assets, ........ 

Assets not admitted. 
Agents' balances over three months due, . . . $1,325 

Special deposits less $13,288.48 liability thereon, . 61,873 

Admitted assets, . 

Liabilities. 

Unpaid losses, . . . . . . 

Unearned premiums on outstanding risks, 

Federal, state and other taxes, due or accrued, . 

Due for return premiums, $5,427.09; reinsurance, $2,350.02, 



$554 16 

48,752 69 

864 36 

$325,471 28 



,076 05 



$5,000 00 

895,564 69 

57,637 18 

39,874 18 

$998,076 05 



8,029 67 
12,007 31 

. $1,018,113 03 



34 
52 



Total, . 

Subscribers' deposits, 
Surplus over all liabilities, 
Surplus to policy holders, 



Total liabilities, including surplus, 

Risks and Premiums. 



$110,000 
662,766 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$45,467,430 
59,384,704 



63,198 86 
$954,914 17 



$23,318 43 

148,452 14 

2,600 00 

7,777 11 

$182,147 68 



772,766 49 
$954,914 17 



Premiums. 

00 $309,921 70 
00 341,106 47 



00 
49 



$104,852,134 
55,154,023 



00 $651,028 17 
00 358,664 35 



$49,698,111 
1,087,137 



00 $292,363 82 
00 7,192 00 



$48,610,974 00 $285,171 82 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 



55,033,150 21 
1,618,058 66 



AMERICAN MUTUAL FIRE INSURANCE CO. 



143 



Cash dividends declared from organization of company, 

Fire losses during the year, ....... 

Dividends declared during the year, ..... 

Schedule A. Securities held as Collateral. 

Company's 
Market Value 

$11,400 00 
12,600 00 
10,500 00 



$743,427 19 
117,338 55 

54,987 29 



300 shares Union Typewriter, 



70 
50 
25 
6 
25 



Merchants National Bank, New York, N. Y., 
Irving National Exchange Bank, New York, N. Y., 
Oriental Bank, New York, N. Y <J( 
National Reserve Bank, New York, N. Y., 
First National Bank, New York, N. Y., 



510 00 
25,625 00 

$60,635 00 



Schedule B. Bonds owned by the Company. 



State, County and Municival Bonds. 
Brooklyn, N. Y., 3£s, 1937, 
Essex County, N. J., 4s, 1938, 
Massachusetts 3^s, 1935, 
New York 4s, 1960, 
New York, N. Y., 3s, 1920, 
New York, N. Y., 3s, 1925, 
New York, N. Y., 3 is, 1954, 
New York, N. Y., 4s, 1959, 
New York, N. Y., 4fs, 1957, 
Toronto, Ontario, 4s, 1948, 

Railroad Bonds. 
Atch., Topeka & Santa Fe general 4s, 1995, 
Baltimore & Ohio 1st 4s, 1948, 
Chicago & Northwestern general 4s, 1987, 
Cleve., Cin., Chic. & St. Louis gen. 4s, 1993, 
Metropolitan Street, N. Y., general 5s, 1997, 
Pitts., Cin., Chic. & St. Louis 4s, 1945, . 

Miscellaneous Bonds. 
Westinghouse Elec. & Mfg. Co. 6s, 1913, . 



Book Value. 

$43,690 00 
48,960 00 
31,500 00 
26,250 00 
76,900 00 
50,865 00 
29,680 00 
49,840 00 

351,607 57 
21,982 12 



24,920 
24,625 
24,750 
23,930 
31,320 
24,745 



00 
00 
00 
00 
00 
00 



10,000 00 
$895,564 69 



Rate. 

91 
100 

94 
102 

92 



100 

108 

98 

99 
98 
98 
93 
97 
99 

101 



Loaned 
Thereon. 



$5,000 00 



$5,000 00 



Market Value. 

$45,500 00 
50,000 00 
28,200 00 
25,500 00 
81,880 00 
53,680 00 
30,800 00 
50,000 00 

340,200 00 
21,462 00 

24,750 00 
24,500 00 
24,500 00 
23,250 00 
48,500 00 
24,750 00 

10,100 00 



7,572 00 



AMERICAN MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

Incorporated June 1, 1877. Commenced business June 1, 1877. 
JOHN R. FREEMAN ^President. THEODORE P. BOGERT, Secretary 

Office, 10 Weybosset Street. 

Income. 
Net premiums, ......... 

Gross interest on stocks and bonds, $26,237.78; bank deposits, 

$1,536.30, 

Gross profit on sale of bonds, . . . - . 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 

Net amount paid policy holders for losses, 
Dividends to policy holders, .... 
Salaries, fees, etc., of officers and employees, 



$354,968 10 

27,774 08 
156 00 



$382,898 18 
587,308 57 

$970,206 75 



$23,960 19 

287,547 24 
6,298 34 



144 



AMERICAN MUTUAL FIRE INSURANCE CO. 



Rents, . 

Printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust 
ment of losses, ........ 

State taxes on premiums, ...... 

Insurance department licenses and fees, . . . 

Other licenses, fees and taxes, . . . 

Gross loss on sale of bonds, ...... 

All other disbursements, ...... 

Total disbursements, ...... 

Balance, ........ 

Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Premiums in course of collection, ..... 

Total ledger assets, . '. . 

Non-Ledger Assets. 
Interest accrued on bonds, ...... 

Market value of stocks and bonds over book value, . 

Gross assets, ........ 

Assets not admitted. 
Premiums over three months due, . . 

Admitted assets, ....... 

Liabilities. 
Unpaid losses, ........ 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, ._ 

Surplus to policy holders, ...... 

Total liabilities, including surplus, .... 

Risks and Premiums. 



$539 81 
625 32 
333 61 
261 73 
271 29 
23 90 


10,882 71 

10,283 10 

178 99 

2,135 80 

575 00 

251 08 


. $344,168 11 


. $626,038 64 


. $589,299 78 

42 25 

24,609 37 

12,087 24 


. $626,038 64 


605 50 
9,273 22 


. $635,917 36 


347 42 


. $635,569 94 


$725 65 

327,608 70 

114 04 

14,234 44 



In force Dec. 31, 1910, . 
Written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 



Risks. 

$67,746,496 00 
49,409,438 00 

$117,155,934 00 
42,741,128 00 



Cash Prem's. 

$518,584 10 
371,801 81 

$890,385 91 

322,738 72 



$342,682 83 
292,887 11 

$635,569 94 



Conting't Prem's. 

$2,592,920 50 
1,859,009 05 

$4,451,929 55 
1,613,693 60 



$74,414,806 00 $567,647 19 $2,838,235 95 



ASSURANCE COMPANY OF AMERICA. 



145 



Miscellaneous. 
Net premiums received from organization of company, . . $6,733,272 97 
Net losses paid from organization of company, . . . 1,145,418 15 

Cash dividends paid policy holders from organization of company, 5,002,505 68 
Losses incurred during the year, ...... 23,637 15 

Dividends to policy holders during 1911, 94 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
Atch., Topeka & Santa Fe, preferred, 
Chicago Great Western, preferred, 
Chicago, Milwaukee & St. P., com., 
Chicago, Milwaukee & St. P., pref., 
Chicago & Northwestern, 
Chicago, St. Paul, Minn. & Omaha, 
Cleve., Cin., Chic. & St. L., pref., 
Cleveland & Pittsburg, 
Great Northern, preferred, 
Illinois Central, 
Illinois Central, leased lines, 
Manhattan, .... 
Minn., St. Paul & S. Ste M., com., 
Minn., St. P. & S. Ste M., preferred, 
Morris & Essex, . , 

New York, New Haven & Hartford, 
Northern Pacific, 
Old Colony, .... 
Pennsylvania, . . ,. 

Pitts., Bess. & Lake Erie, preferred, 
Southern Pacific, 
Southern, preferred, 
Union Pacific, common, . 
Union Pacific, preferred, . 
West End Street, . 

Miscellaneous Stocks. 
American Tel. & Tel. Co., 
Pacific Coast Power Co., preferred, 
Providence Gas Co., 
State Bonds. 
Rhode Island 3§s, 1959, .... 

Railroad Bonds. 
Denver City Tramway Co., 5s, 1919, 
New York, New Haven & Hartford 6s, 1948, 
Southern Pacific Co., conv. 4s, 1929, 



100 shares 


220 


a 


53 


i« 


161 


(i 


125 


tt 


100 


n 


100 


<( 


100 


«( 


200 


(< 


69 


n 


40 


<< 


200 


(< 


144 


«< 


238 


<< 


130 


" 


180 


CI 


160 


l< 


150 


" 


690 


(( 


200 


(< 


200 


(« 


100 


«( 


200 


(< 


400 


<< 


130 


(« 


480 shares 


100 


(< 


50 


<( 



Book Value. 


Rate. 


Market Value. 


$10,000 00 


104 


$10,400 00 


17,600 


00 


36 


7,920 00 


5,000 


00 


109 


5,777 00 


24,000 


00 


145 


23,345 00 


17,800 


00 


145 


18,125 00 


13,000 


00 


139 


13,900 00 


10,000 


00 


98 


9,800 00 


9,000 


00 


167 


8,350 00 


25,000 


00 


127 


25,400 00 


8,000 


00 


140 


9,660 00 


4,000 


00 


92 


3,680 00 


27,500 


00 


136 


27,200 00 


15,595 


20 


135 


19,440 00 


32,796 


40 


149 


35,462 00 


11,000 


00 


175 


11,375 00 


25,627 


18 


137 


24,660 00 


18,250 


00 


118 


18,880 00 


27,000 


00 


187 


28,050 00 


34,529 


65 


123 


42,435 00 


15,000 


00 


140 


14,000 00 


,22,300 


00 


113 


22,600 00 


10,000 


00 


72 


7,200 00 


30,700 


00 


174 


34,800 00 


38,575 


00 


93 


37,200 00 


11,000 


00 


174 


11,310 00 


66,485 


00 


140 


67,200 00 


10,100 


00 


100 


10,000 00 


4,750 


00 


194 


4,850 00 


29,625 


00 


97 


29,100 00 


8,000 


00 


100 


8,000 00 


4,200 


00 


132 


5,544 00 


2,866 


35 


97 


2,910 00 


$589,299 


78 


$598,573 00 



ASSURANCE COMPANY OF AMERICA, NEW YORK, N. Y. 

Incorporated Feb. 25, 1897. Commenced business April 1, 1897. 
Paid-up Capital, $200,000. 
R. BLEECKER RATHBONE, President. CHARLES S. CONKLIN, Secretary. 

Home Office, 45 William Street. 

Income. 
Net fire premiums, 



Gross interest on bonds, $12,075; bank deposits, $899.90, 

Total income, . . . '.' . 

Ledger assets, Dec. 31, 1910, . 



$165,738 76 
12,974 90 

$178,713 66 
452,799 34 



Total, 



$631,513 00 



146 



ASSURANCE COMPANY OF AMERICA. 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, . . 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, . . . . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, ..... 

All other disbursements, . ■ . 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of bonds (schedule A) , . 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 



Non-Ledger Assets. 



Total ledger assets, 

Interest accrued on bonds, ...... 

Gross assets, . . . ... 

Assets not admitted. 
Book value of bonds over market value, . . . 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $4,762 resisted, $13,826; less reinsur- 
ance, $3,286, . . . ... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 





$62,557 52 
910 71 




40,129 46 
6,046 71 

786 28 




582 64 




311 73 




171 16 




1,068 53 

1,454 20 

88 11 




2,293 03 
. 338 00 




226 10 




10,000 00 

885 74 


$127,849 92 


$503,663 08 


• 


$416,620 00 
61,237 73 
25,805 35 


$503,663 08 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to oolicy holders, 

Total liabilities, including surplus, 



$200,000 00 
143,549 95 



2,954 15 



$506,617 23 

55,970 00 
$450,647 23 



$10,540 00 

90,945 58 

504 08 

4,099 24 

1,008 38 

$107,097 28 



343,549 95 
$450,647 23 



ATLANTIC MUTUAL INSURANCE CO. 



147 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. Premiums. 

$19,687,568 00 $182,349 05 

26,822,230 00 211,876 68 

$46,509,798 00 $394,225 73 

24,645,685 00 203,243 64 

$21,864,113 00 $190,982 09 

1,100,216 00 13,838 59 



,763,897 00 $177,143 50 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (5 per cent.), 

Par value of company's stock owned by directors, 



by the Company. 

Rate. 
100 



Schedule A. Bonds owned 

State and Municipal Bonds. Book Value. 

New York 3s, 1912, $50,000 00 

New York, N. Y., 3s, 1925, .... 101,25000 

New York, N. Y., 3§s, 1927-28, . . . 135,837 50 93 

New York, N. Y., 3|s, 1940, .... 55,437 50 90 

Railroad Bonds. 

Chicago & Alton 3s, 1949, .... 16,182 50 71 

Metropolitan Street 4s, 2002, .... 18,450 00 57 

St. Louis, Iron Mt. & Southern 4s, 1929, . . 19,162 50 80 

Scioto Valley & New England 4s, 1989 t . . 20,300 00 99 

$416,620 00 



56,326,314 67 

4,349,236 05 

285,456 47 

61,400 52 

10,000 00 

102,350 00 



Market Value. 
$50,000 00 

88,000 00 
116,250 00 

45,000 00 

14,200 00 
11,400 00 
16,000 00 
19,800 00 

$360,650 00 



ATLANTIC MUTUAL INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April 11, 1842. Commenced business July 1, 1842. 
A. A. RAVEN, President. G. STANTON FLOYD-JONES, Secretary. 

Home Office, 51 Wall Street. 

Income. 
Net marine premiums, ........ $2,883,420 14 

Gross interest on stocks and bonds, $333,897.03; bank deposits, 

$34,003.49; all other, $5,624.75; gross rents, including $50,000 

for company's own occupancy, $354,809.51, 
Gross increase in book value of stocks and bonds,- 
West India and Panama Tel. Co., Ltd., stock 

charged off, ...... 

Scrip returned to company, .... 

From all other sources, ..... 

Total income, . . 

Ledger assets, Dec. 31, 1910, . 

Total, 



728,334 78 
321,825 61 
previously 

2,000 00 
350 00 
195 73 


. $3,936,126 26 
. 13,381,283 45 


$17,317,409 71 



148 



ATLANTIC MUTUAL INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for marine losses, 
Commissions or brokerage, .... 

Salaries, fees, etc., of officers and employees, 

Rents, including $50,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ...... 

Furniture and fixtures, ..... 

Underwriters' boards and tariff associations, 
Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Gross loss on sale or maturity of bonds, . 

Gross decrease in book value of stocks, 

Scrip redeemed, ...... 

Interest to scripholders, .... 

Suspended notes charged off, .... 

Discount on premiums, ..... 

Profit and loss, ...... 

All other disbursements, .... 



Total disbursements, .... 

Balance, . . . . ... 

Ledger Assets. 
Book value of real estate, .... 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Bills receivable, ...... 

Company's scrip owned, .... 

Deposits with foreign bankers, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 
Rents due on company's property, . 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 
Company's scrip owned, . . ' . 

Bills receivable, past due, taken for premiums, . 



Admitted assets, 



Liabilities. 
,500 resisted, $2,310,027; 



Unpaid losses, including 

surance, $140,838, 
Unearned premiums on outstanding risks, 





$959,530 60 




134,037 17 




319,157 94 


V, ■ 


50,330 00 




15,884 48 




2,074 82 




11,284 88 




1,763 29 




6,409 82 




1,653 40 




90,631 33 




61,010 52 




39,154 07 




50 00 




8,612 40 




20,535 00 




34,958 85 




1,171,020 00 




445,119 10 




6,661 76 




15,277 38 




20 37 




39,422 17 




$3,434,599 35 


$13,882,810*36 


. $4,374,426 04 




6,299,437 68 




1,930,321 99 




1,070,751 29 




4,270 00 




203,603 36 


• 


$13,882,810 36 


41,878 80 


21,970 46 


514,273 96 


. 


1,179,279 94 


$15,640,213 52 


$4,270 00 


3,261 06 


7,531 06 


$15,632,682 46 


less rein- 


. $2,169,189 00 


. 


700,723 33 



ATLANTIC MUTUAL INSURANCE CO. 



149 



Scrip ordered to be redeemed, ..... 

Interest due or accrued, ...... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 
Due for return premiums, $109,742.16; reinsurance, $183,599.07 
Scrip withheld, ........ 

Scrip outstanding, ....... 

Surplus on redemption of scrip withheld, .... 

Total, 

Surplus to policy holders, ...... 

Total liabilities, including surplus, .... 

Risks and Premiums. 

Risks. Premiums. 

Marine risks in force Dec. 31, 1910, . . $145,534,667 00 $873,680 37 



$215,621 48 

51.470 57 
7,985 79 

57,512 16 

61,118 29 

293,341 23 

1,880 00 

7,399,510 00 

22.471 29 

$10,980,823 14 
. 4,651,859 32 

$15,632,682 46 



Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



762,017,733 00 3,653,325 18 

$907,552,400 00 $4,527,005 55 
761,636,244 00 3,773,578 22 



$145,916,156 00 
8,807,918 00 



$753,427 33 
52,704 00 



Net amount in force, 



$137,108,238 00 $700,723 33 



Miscellaneous. 



Net premiums received from organization of company, 
Net losses paid from organization of company, 
Scrip dividends declared from organization of company, 
Marine losses incurred during the year, . 
Scrip dividends declared during the year, 



$245,318,624 22 
137,525,816 95 
. 87,544,160 00 
. 1,864,316 56 
. 1,133,290 00 



Schedule A. Stocks and Bonds owned by the Company. 



1,600 
700 

2,070 
350 
363 
400 

2,000 
500 
320 

6,600 

900 
500 
942 
360 
333 
850 
1,403 
805 
805 
100 

278 
875 
450 



Railroad Stocks. 
shares Chicago & Northwestern, 
" Delaware & Hudson, 
• ■ Delaware, Lackawanna & West., 
" Great Northern, preferred, 
" Lackawanna of N. J., . 
" Morris & Essex, . 
" New York Cent. & Hud. River, 
" New York, Lackawanna & West., 
" Northern Pacific, . 
" Pennsylvania, 

Bank Stocks. 
shares Am. Exchange National, N. Y., 
" Bank of America, N. Y., 
" Bank of N. Y.j Nat. Bk. Asso., N. Y 
" Bank of the Manhattan Co., N. Y 
Market & Fulton National, N. Y., 
Mechanics & Metals Nat., N. Y., 
" Merchants National, N. Y., . 

Metropolitan Trust Co., N. Y., 
" National Bank of Commerce, N. Y 
" United States Mtg. & Tr. Co., N. Y 

Miscellaneous Stocks. 
shares Atlantic Safe Deposit Co., 

" Consolidated Gas Co., of N. Y., 
" Delaware, Lack. & West. Coal Co., . 



Book Value. 
$226,193 63 

160,262 50 

145,189 80 
79,381 25 
36,300 00 
34,475 00 

210,500 00 
61,687 50 
52,625 00 

404,606 25 

113,004 82 
53,710 00 

143,476 02 
25,524 81 
40,026 60 
82,369 10 
77,010 67 

291,458 30 

111,210 75 
26,420 01 

26,450 00 
97,565 31 
22,500 00 



Rate. 
145 
168 
540 
127 
96 
175 
109 
124 
118 
123 

248 
624 
317 
335 
258 
263 
184 
408 
200 
472 

100 
139 
310 



Market Value. 
$232,000 00 

117,600 00 

558,900 00 
44,450 00 
34,848 00 
35,000 00 

218,000 00 
62,000 00 
37,760 00 

405,900 00 

223,200 00 

312,000 00 

298,614 00 

60,300 00 

85,914 00 

223,550 00 

129,076 00 

328,440 00 

161,000 00 

47,200 00 

27,800 00 

121,625 00 

69,750 00 



150 



BLACKSTONE MUTUAL FIRE INSURANCE CO. 



250 shares Great Nor. Iron Ore Properties, 

10 " Underwriters Salvage Co., of N. Y 

500 " West India & Panama Tel. Co., Ltd 

Government Bonds. 

United States 4s, 1925 

State and Municipal Bonds. 
New York Canal Improvement 3s, 1957-59, 
New York, N. Y., consolidated 3|s, 19.16, . 
New York, N. Y., corporate stock 3|s, 1953, 
New York, N. Y., 3fs, 1912, . 

Railroad Bonds. 
Atlantic Coast Line 1st cons. 4s, 1952, 
Brooklyn & Montauk 2d 5s, 1938, . 
Chicago, Burl. & Quincy (111. Div.) 4s, 1949, 
Delaware & Hudson Co. conv. 4s, 1916, 
Lake Shore & Michigan Southern deb. 4s, 1928, 
Lake Shore & Michigan Southern 4s, 1931, 
New York Cent. & Hud. River deb. 4s, 1934, 
N. Y., Chicago & St. Louis 1st 4s, 1937, . 
Nor. Pac.-Gt. Nor. (C, B. & Q. coll.) 4s, 1921, 
Rensselaer & Saratoga 1st 7s, 1921, . 
St. P., Minn. & Manitoba (Pac. Ext.) 4s, 1940, 
West Shore 1st cons. 4s, 2361, 

Miscellaneous Bonds. 
Maritime Asso. Port of N. Y. 5s, 1924, . 
Providence Securities Co. 4s, 1957, . 



Book Va 


ue. 


Rate. 


Market Value. 






43 


$10,750 00 


$1,000 


125 


1,250 00 


1. 2,000 


00 


37 


8,991 00 


223,537 


20 


113 


226,000 00 


512,930 


00 


101 


505,000 00 


634,920 


00 


97 


582,000 00 


500,625 


00 


88 


440,000 00 


450,135 


74 


100 


450,000 00 


55,550 


00 


95 


52,250 00 


75,000 


00 


104 


78,000 00 


152,000 


00 


100 


150,000 00 


24,051 


00 


98 


23,520 00 


198,125 


00 


94 


188,000 00 


98,500 


00 


93 


93,000 00 


143,483 


75 


93 


139,500 00 


97,678 


75 


100 


100,000 00 


145,622 


50 


97 


145,500 00 


66,625 


00 


122 


61,000 00 


99,393 


92 


98 


95,029 62 


203,312 


50 


101 


202,000 00 


5,000 


00 


100 


5,000 00 


88,000 


00 


87 


87,000 00 


$6,299,437 68 


$7,478,717 62 



BLACKSTONE MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

Incorporated August, 1868. Commenced business August, 1868. 
WM. B. McBEE, President. ERNEST W. BROWN, Secretary. 

Office, 10 Weybosset Street. 

Income. 
Net premiums, ......... 

Gross interest on stocks and bonds, $49,769.73; bank deposits, 

$3,960.06, 

Gross profit on sale of bonds, ....... 



$877,369 99 

53,729 79 
27,510 00 



Total income, . . . 

Ledger assets, Dec. 31, 1910, . 

Total, . 

Disbursements . 

Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust 
ment of losses, ........ 

State taxes on premiums, ...... 

Insurance department licenses and fees. .... 



$958,609 78 
1,130,109 01 

$2,088,718 79 



$43,623 59 

745,359 63 

17,902 87 

1,800 15 

1,805 71 

1,015 53 

496 31 

816 62 

59 78 

21,646 00 

20,548 25 

263 53 



BLACKSTONE MUTUAL FIRE INSURANCE CO. 151 

Other licenses, fees and taxes, 
Gross loss on sale of bonds, 
Gross decrease in book value of stocks, 
All other disbursements, 

Total disbursements, 

Balance, 

Ledger Assets. 

Book value of stocks and bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Premiums in course of collection, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on bonds, .... 
Market value of stocks and bonds over book value, 

Gross assets, ...... 

Assets not admitted. 
Premiums over three months due, . 

Admitted assets, ..... 

Liabilities. 
Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 

Total, 

Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 

Risks. Cash Prem's. Conting't Prem's. 

In force Dec. 31, 1910, . . $134,639,260 00 $1,019,794 20 $5,098,971 00 

Written during the year, . 123,040,892 00 913,806 32 4,569,031 60 



$4,277 21 

853 75 

1,225 00 

316 56 


$862,010 49 


$1,226,708 30 

$1,115,878 07 
87,929 70 
22,900 53 


$1,226,708 30 

2,469 17 
57,894 43 


$1,287,071 90 
554 00 


$1,286,517 90 

$1,549 25 
596,190 79 

382 66 
28,447 89 


$626,570 59 
659,947 31 


$1,286,517 90 



Total, . . . . $257,680,152 00 $1,933,600 52 $9,668,002 60 

Expired and terminated, . 111,780,327 00 832,613 94 4.163,069 70 



In force at end of year, . . $145,899,825 00 $1,100,986 58 $5,504,932 90 

Miscellaneous. 
Net premiums received from organization of company, . $13,393,702 48 

Net losses paid from organization of company, . . . 1,609,529 48 

Cash dividends paid policy holders from organization of company, 10,063,498 50 
Losses incurred during the year, ..... 41,993 80 

Dividends to policy holders during 1911, 93.50 per cent. 

Schedule A. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

60 shares Albany & Susquehanna, * . . $8,400 00 290 $17,400 00 

109 " Beech Creek, .... 5,310 25 95 5,177 50 

350 " Canada Southern, . . . 23,837 50 68 23,800 00 



152 



BUFFALO COMMERCIAL INSURANCE CO. 



264 shares Cayuga & Susquehanna, 


100 ' 


' Chic, Milwaukee & St. P., pref., 


250 ' 


' Chic, Milwaukee & St. P., com., . 


506 ' 


' Chicago & Northwestern, 


200 ' 


' Cleve., Cin., Chic & St. L., pref., . 


40 * 


' Cleve., Cin., Chic. & St. L., com., . 


230 ' 


1 Cleveland & Pittsburgh, 


300 ' 


' Connecticut & Pass. Rivers, pref., . 


110 ' 


' Detroit, Hillsdale & Southwestern, 


100 ' 


' Erie & Pittsburg, 


200 ' 


' Great Northern, preferred, 


150 ' 


' Hereford, ..... 


420 ' 


' Illinois Central, .... 


400 « 


' Illinois Central, leased lines, . 


200 ' 


' Joliet & Chicago, .... 


110 ' 


' Mahoning Coal, preferred, 


250 ' 


' Manhattan, .... 


200 ' 


Minn., St. P. & S. Ste. M., leased lines, 


400 ' 


1 Morris & Essex, .... 


400 ' 


' N. Y., Lackawanna & Western, 


200 ' 


' Northern Pacific, . 


1,298 ' 


' Pennsylvania, .... 


200 ' 


1 Pittsburgh, Bess. & L. Erie, pref., . 


500 ' 


' Pittsburgh, Bess. & L. Erie, com., . 


245 ' 


' Pitts., Ft. Wayne & Chicago, 


410 ' 


' Pittsburgh, McKeesport & Yough., 


175 ' 


' Rensselaer & Saratoga, . 


200 ' 


' Rome, Watertown & Odgensburg, . 


150 ' 


' St. Louis Bridge Co. 1st pref., 


150 ' 


' St. Louis Bridge Co. 2d pref., 


50 « 


' Upper Coos, 




Bank Stocks. 


50 sha 


res Union Trust Co., Providence, 



Miscellaneous Stocks. 
280 shares American Tel. & Tel. Co., 

50 " Gold & Stock Telegraph Co. 
250 " Providence Building Co., 
Government Bonds. 
United States 4s, 1925, . 

State Bonds. 
Rhode Island 3fs, 1924, . 
Rhode Island 3s, 1936, . 



Book Value. 
$17,897 00 
10,000 00 
33,750 00 
50,600 00 
18,000 00 
2,800 00 

16.171 25 
41,528 75 
10,752 50 

5,000 00 
25,337 50 
13,650 00 
43,232 50 
38,050 00 
35,100 00 

5,500 00 
35,000 00 
18,000 00 
36,893 75 
50,850 00 
24,037 50 

77.172 00 
12,339 50 
18,378 13 
42,252 50 
27,677 38 
34,400 00 
20,000 00 
18,750 00 

9,300 00 
6,200 00 

5,000 00 

32,671 00 

5,000 00 

20,000 00 

102,039 06 

100,000 00 
15,000 00 

.,115,878 07 



Rate. 
215 
145 
109 
145 

98 

60 
167 
146 

94 
140 
127 

90 
140 

92 
168 
106 
136 

88 
175 
124 
118 
123 
140 

67 
167 
125 
187 
119 
125 

57 
140 

166 

140 

118 

90 



Market Value. 
$17,028 00 
14,500 00 
27,250 00 
73,370 00 
19,600 00 

2,400 00 
19,205 00 
43,800 00 
10,340 00 

7,000 00 
25,400 00 
13,500 00 
58,800 00 
36,800 00 
33,600 00 

5,830 00 
34,000 00 
17,600 00 
35,000 00 
49,600 00 
23,600 00 
79,827 00 
14,000 00 
16,750 00 
40,915 00 
25,625 00 
32,725 00 
23,800 00 
18,750 00 

8,550 00 

7,000 00 

8,300 00 

39,200 00 

5,900 00 

22,500 00 



113 102,830 00 



99 
90 



99,000 00 
13,500 00 

$1,173,772 50 



BUFFALO COMMERCIAL INSURANCE COMPANY, BUFFALO, N. Y. 

Incorporated April 15, 1896. Commenced business April 16, 1896. 

Paid-up Capital, $200,000. 

CHARLES GROBEN, President. GEO. H. HOFHEINS, Secretary. 

Home Office, Jf.55 Main Street. 

Income. 
Net fire premiums, ....... $357,160 29 



Gross interest on mortgages, $6,298.02; bonds, $16,062.82 

bank deposits, $3,097.55, 

Agents' balances previously charged off, .... 
Gross increase in book value of bonds, .... 

Total income, . ... 

Ledger assets, Dec. 31, 1910, . . ... 

Total, 



25,458 39 

86 17 

6 25 

$382,711 10 
720,607 88 

$1,103,318 98 



BUFFALO COMMERCIAL INSURANCE CO. 



153 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes. 

Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, .... 

Agents' balances charged off, .... 

Gross loss on sale of bonds, .... 

Gross decrease in book value of bonds, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Bills receivable, . . . . 

Total ledger assets, ....... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $2,315.14; bonds. $2,959.27, 

Gross assets, . . . . . ... 

Assets not admitted. 
Agents' balances over three months due, . . SI 10 14 

Book value of bonds over market value, . . . 2,538 70 



$243,657 69 


5,459 


13 


94,815 


46 


7,250 03 


14,860 00 


1,000 


00 


2,338 20 


2,433 


68 


583 


11 


42 


75 


1,346 


11 


2,205 20 


3,728 


50 


1,284 09 


4,906 


65 


1,522 


47 


2,173 


43 


20,000 00 


368 


61 


74 00 


881 


25 


1,220 88 


$412,151 24 


$691,167 


74 


$153,040 00 


412,408 


70 


71,771 


62 


53,873 


12 


74 30 


$691,167 


74 



Admitted assets, . . . ... 

Liabilities. 
Unpaid losses, including $1,250 resisted, $33,011.87; less rein- 
surance, $1,504.80, . . . # 

Unearned premiums on outstanding risks, . 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 



5,274 41 



$696,442 15 



2,648 84 
S693,793 31 



$31,507 07 

311,389 IS 

147 61 

3,800 00 



154 



BUFFALO COMMERCIAL INSURANCE CO. 



Commissions and other charges due agents and brokers, 
Due for return premiums, $214.69; reinsurance, $150.85, 
Reserve for contingencies, ..... 



Total, 

Cash capital, . . . . . . $200,000 00 

Surplus over all liabilities, .... 130,897 06 

Surplus to policy holders, .... 

Total liabilities, including surplus, . . . 

Risks and Premiums. 

Risks. Premiums. 

Fire risks in force Dec. 31, 1910, . . . $56,190,444 00 $606,099 68 



$686 85 

365 54 

15,000 00 

$362,896 25 

330,897 06 

$693,793 31 



Fire risks written during the year, 

Total, .... 
Expired and terminated 

In force at end of year. . 
Deduct amount reinsured, 

Net amount in force, 



40,232,534 00 446,011 43 



$96,422,978 00 $1,052,111 11 
37,757,384 00 432,117 04 



$58,665,594 00 $619,994 07 
1,595,312 00 16,164 13 



$57,070,282 00 $603,829 94 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



$3,733,403 00 

2,009,545 00 

163,000 00 

247,313 52 

20,000 00 

59,000 00 



Schedule A. Bonds owned by the Company. 



County and Municipal Bonds. 
Buffalo, N. Y., 3§s, 1912, 
Buffalo, N. Y., 3§s, 1913-14, 
Buffalo, N. Y., 3*s, 1915-16, 
Buffalo, N. Y., 3fs, 1919, 
Buffalo, N. Y., 3£s, 1922, 
Buffalo, N. Y., 3§s, 1923, 
Buffalo, N. Y., 4s, 1919-29, 
Erie County, N. Y., 4s, 1929, 
Erie County, N. Y., 4|s, 1924, 
New York, N. Y., 3£s, 1917, 
New York, N. Y., 3^s, 1928, 
New York, N. Y., 3§s, 1929, 
New York, N. Y., 3^s, 1954, 

Railroad Bonds. 
Atlantic Coast Line 4s, 1952, . 
Chic, Burl. & Quincy (Neb. Ex.) 4s, 1927, 
Chic, Mil. & St. P. (Ch. & P. W. Div.) 5s, 1921, 
Chic, Mil. & St. P. (LaC. & Dav. Div.) 5s, 1919, 
Delaware & Hudson 4s, 1943, .... 
Union Pacific 4s, 2008, . 

Wabash 5s, 1939, 

West Shore 4s, 2361 



Book Value. 

$4,945 00 

14,785 00 

34,365 50 

4,866 00 

9,650 00 

9,650 00 

100,000 00 

14,000 00 

15,185 70 

24,250 00 

23,412 50 

9,340 00 

36,000 00 

14,300 00 
15,000 00 
16,162 50 
15,834 00 
15,037 50 
9,725 00 
15,900 00 
10,000 00 

$412,408 70 



Rate. 

100 
99 
98 
97 
96 
95 

100 
98 

101 
97 
93 
92 
88 

95 

98 

106 

105 

99 

97 

105 

101 



Market Value. 

$5,000 00 

14,850 00 

34,300 00 

4,850 00 

9,600 00 

9,500 00 

100,000 00 

13,720 00 

15,150 00 

24,250 00 

23,250 00 

9,200 00 

35,200 00 

14,250 00 
14,700 00 
15,900 00 
15,750 00 
14,850 00 
9,700 00 
15,750 00 
10,100 00 

$409,870 00 



BUFFALO GERMAN INSURANCE CO. 



155 



BUFFALO GERMAN INSURANCE COMPANY, BUFFALO, N. Y. 

Incorporated Feb. 15, 1867. Commenced business Feb. 16, 1867. 

Paid-up Capital, $200,000. 

JOHN G. WICKSER, President. CHARLES A. GEORGER, Secretary. 

Home Office, 447 Main Street. 

Income. 

Net fire premiums, $648,280 83 

Gross interest on mortgages, $17,151.84; collaterals, $400; bonds, 
$55,255.41; bank deposits, $6,502.57; gross rents, including 
$4,000 for company's own occupancy, $29,006.16, . . 108,315 98 

Agents' balances previously charged off, ..... 51 80 

Gross profit on sale or maturity of ledger assets, . . . 571 98 

Gross increase in book value of bonds, ..... 1,253 33 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . . . . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, .... 

Agents' balances charged off, .... 

Gross decrease in book value of bonds, 
All other disbursements, 

Total disbursements, .... 

Balance, . ... 

Ledger Assets. 
Book value of real estate, .... 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of bonds (schedule B), . 



$758,473 92 
2,529,774 47 



$3,288,248 39 


$352,152 26 
7,222 30 


169,590 77 
15,498 56 


38,969 86 
4,000 00 


5,400 55 


4,541 58 
1,160 08 


357 97 


1,734 89 


3,087 53 
5,371 40 


3,794 20 


6,908 60 
11,748 39 


9,695 95 


2,268 67 

4,184 31 

70,000 00 

621 08 


880 08 


2,250 34 


$721,439 37 


$2,566,809 02 


$320,000 00 
446,400 00 


8,000 00 
1,503,389 89 



156 



BUFFALO GERMAN INSURANCE CO. 



Deposits in trust companies and banks on interest, . 
Agents' balances, ........ 

Bills receivable, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $7,599.50; bonds, $10,099.69; collateral loans, $150, 
Rents accrued on company's property, .... 



$188,122 08 

100,694 38 

202 67 

$2,566,809 02 



Gross assets,* . . 

Assets not admitted. 

Agents' balances over three months due, . . . $2,810 20 

Book value of bonds over market value, . . . 5,223 20 

Mortgage loan disallowed, ..... 1,500 00 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $3,700 resisted, $52,466.92; less rein 
surance, $335.50, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Commissions and other charges due agents and brokers, 
Reserve for contingencies, ..... 



17,849 19 
150 00 

$2,584,808 21 



Total, . . ' 

Cash capital, $200,000 00 

Surplus over all liabilities, .... 1,609,251 37 
Surplus to policy holders, .... ■ 

Total liabilities, including surplus, ...... 

Risks and Premiums. 

t? I qirc "Premiums 

Fire risks in force Dec. 31, 1910, . . . $128,778,827 00 $1,274,816 80 



9,533 40 

$2,575,274 81 

$52,131 42 

653,892 02 

400 00 

8,000 00 

1,600 00 

50,000 00 

$766,023 44 

1,809,251 37 

52,575,274 81 



Fire risks written during the year, 

Total, . . 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



77,792,205 00 805,126 84 



$206,571,032 00 $2,079,943 64 
71,610,167 00 763,536 85 



$134,960,865 00 $1,316,406 79 
7,256,876 00 54,894 85 



$127,703,989 00 $1,261,511 94 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (35 per cent.), 
Par value of company's stock owned by directors, 



$16,172,757 16 

8,042,899 62 

1,805,925 00 

359,779 44 

70,000 00 

36,600 00 



* Including $300,000 special reserve under New York law. 



CALEDONIAN-AMERICAN INSURANCE CO. 



157 



Schedule A. Securities held as 



10 shares American Smelting & Refining Co., 
50 " Western Union Telegraph Co., . 
10 " Union Pacific R.R. Co., . 
Delaware & Hudson 4s, 1916, . 
Chicago, Rock Is. & Pacific R.R. 4s, 2002, 
Toledo Gas Electric Heating Co. 3s, 1935, 
25 shares Third National Bank, Buffalo, . 
10 " German American Bank, Buffalo, 



Collateral. 

Company's 
Market Value. 

$720 00 
3,900 00 
1,700 00 
1,000 00 
730 00 
650 00 
2,500 00 \ 
2,000 00 / 

$13,200 00 



Schedule B. Bonds owned by the Company. 

County and Municipal Bonds. Book Value. Rate. 

Batavia, N. Y., 4Js, 1919, .... $14,108 50 99 

Buffalo, N. Y., 3fs, 1912, .... 125,333 33 100 

Buffalo, N. Y., 4s, 1912-29, .... 330,000 00 100 

Buffalo, N. Y., 3|s, 1913-14 109,560 00 99 

Buffalo, N. Y., 3§s, 1915-17 131,056 68 98 

Buffalo, N. Y., 3§s, 1918-19 29,746 68 97 

Buffalo, N. Y., 3£s, 1920-22 40,255 02 96 

Buffalo, N. Y., 3§s, 1923-26 12,933 34 95 

Buffalo, N. Y., 3£s, 1927-29 9,700 04 94 

Erie County, N. Y., 4s, 1926-28, . . . 42,000 00 99 

Erie County, N. Y., 4|s, 1925, . . . 15,196 35 101 

New York, N. Y., 3|s, 1916, .... 57,900 00 97 

New York, N. Y., 3|s, 1928 23,250 00 93 

New York, N. Y., 3fs, 1929, .... 37,200 00 92 

New York, N. Y., 3fs, 1952-54, . . . 222,640 00 88 

Westchester County, N. Y., 4s, 1937-38, . . 40,000 00 99 

Railroad Bonds. 

Chicago, Burlington & Quincy 4s, 1927, . . 30,000 00 98 

Chic, Mil. & St. Paul (Pac. Div.) 5s, 1921, . 42,800 00 106 

Chic, Mil. & St. Paul (Wis. & M. Div.) 5s, 1921, 26,750 00 106 

Chic, Mil. & St. P. (D. Gt. So. Div.) 5s, 1916, . 25,947 45 103 

Chic, Mil. & St. P, (LaC. & Dav. Div.) 5s, 1919, 26,000 00 105 

Chic, Mil. & St. P. (Dubuque Div.) 6s, 1920, . 28,612 50 113 

Delaware & Hudson 4s, 1943 40,000 00 99 

Lake Shore & Michigan Southern 3|s, 1997, . 22,500 00 89 

St. Paul, Minn. & Manitoba 4s, 1933, . . 19,900 00 99 

$1,503,389 89 



Loaned 
Thereon. 



$6,000 00 



2,000 00 



$8,000 00 



Market Value. 

$13,860 00 

125,333 33 

330,000 00 

109,560 00 

130,339 99 

29,746 66 

39,839 99 

12,666 66 

9,400 06 

41,580 00 

15,150 00 

58,200 00 

23,250 00 

36,800 00 

222,640 00 

39,600 00 

29,400 00 
42,400 00 
26,500 00 
25,750 00 
26,250 00 
28,250 00 
39,600 00 
22,250 00 
19,800 00 

$1,498,166 69 



CALEDONIAN-AMERICAN INSURANCE COMPANY, 
NEW YORK, N. Y. 

Incorporated Dec. 24, 1897. Commenced business March 24, 1898. 

Paid-up Capital, $200,000. 

CHARLES H. POST, President. MILWARD PRAIN, Secretary. 

Home Office, 50 Pine Street. 

Income. 

Net fire premiums, $14,008 64 

Gross interest on stocks and bonds, $9,446.40; bank deposits, 
$96.83, 9,543 23 



Total income, 
Ledger assets, Dec. 31, 1910, . 



$23,551 87 
260,857 92 



Total, . 



. $284,409 79 



158 



CALEDONIAN-AMERICAN INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

All other disbursements, ..... 

Total disbursements, . ... 

Balance, ....... 

Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Due from other companies, ..... 



Total ledger assets, 

Interest accrued on bonds, 
Gross assets, . 



Non-Ledger Assets. 



$11,160 76 

623 44 

3,425 62 

62 02 

453 15 

21 68 

119 60 

72 07 

45 13 

20 84 

169 19 

23 98 

28 37 

281 92 

111 50 

30 28 

27 63 

$16,677 18 

$267,732 61 



$239,498 99 

13 00 

1,543 47 

9,725 37 

13,241 72 

3,710 06 

$267,732 61 



2,265 83 
$269,998 44 



Assets not admitted. 

Agents' balances over three months due, . 

Book value of stocks and bonds over market value, 

Admitted assets. ..... 



$217 68 
5,758 99 



Liabilities. 
Unpaid losses, including $1,520.20 resisted, $19,459.09; less rein- 
surance, $15,902.88, . . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Due for reinsurance, ..... 
Reserve for contingencies, .... 



5,976 67 
$264,021 77 



$3,556 21 

13,675 22 

100 00 

200 00 

7,193 88 

500 00 



Total, 



$25,225 31 



THE CALIFORNIA INSURANCE CO. 



159 



Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 

Total liabilities, including surplus, 



$200,000 00 
38,796 46 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$17,036,645 00 
13,269,568 00 

$30,306,213 00 
13,140,786 00 

$17,165,427 00 
14,523,772 00 



$238,790 16 
$264,021 77 



Premiums. 

$172,125 11 
127,690 84 

$299,815 95 
136,372 17 

$163,443 78 
136,991 26 



5,641,655 00 $26,452 52 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds 

Railroad Stocks. 
200 shares Pittsburgh, Bessemer & L. Erie, 
Miscellaneous Stocks. 
60 shares American Tel. & Tel. Co., 
Municipal Bonds. 

New York, N. Y., 3£s, 1954 

New York, N. Y., 3§s, 1935, 

New York, N. Y., corp. stock 4Js, 1960, . 

Railroad Bonds. 
Brooklyn, Queens Co. & Suburban 1st 5s, 1941, . 
New York, Ontario & West. ref. 4s, 1992, 
Steinway, New York, 1st 6s, 1922, . 

Miscellaneous Bonds. 
Tenth & Twenty-third St. Ferry Co. 1st 5s, 1919, 



OWNED BY THE 
Book Value. 
$7,283 90 

8,131 25 

156,187 50 

43,428 96 

3,082 50 

5,481 25 
5,097 38 
5,718 75 

5,087 50 
$239,498 99 



$450,474 47 

408,278 58 

68,000 00 

12,958 63 

4,500 00 



Company. 

Rate. Market Value. 
67 $6,700 00 



140 

88 

91 

102 

100 

95 

102 

61 



8,400 00 

154,000 00 

43,680 00 

3,060 00 

5,000 00 
4,750 00 
5,100 00 

3,050 00 
S233.740 00 



THE CALIFORNIA INSURANCE COMPANY, SAN FRANCISCO, CAL. 

Incorporated 1861. Reorganized June, 1905. Commenced business under reorganization in 1905. 

Cash Capital, §400,000. 
W. E. DEAN, President. GEORGE W. BROOKS, Secretar,,. 

Home Office, 550 Sacramento Street. 

Income. 
Net fire premiums, . . . . - . . . $750,615 15 
Gross interest on mortgages, $19,786.87; collaterals, $2,530.63; 
stocks and bonds, $31,626.94; bank deposits, $2,702.84; all 
other, $39.07; gross rents, including $3,600 for company's own 
occupancy, $8.590, 65,276 35 



160 



THE CALIFORNIA INSURANCE CO. 



Gross profit on sale of bonds, . 
Gross increase in book value of bonds, 

Total income, 
Ledger assets, Dec. 31, 1910, . 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Agency expenses, . . . . ... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $3,600 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, . . . . . 

Furniture and fixtures, ...... 

Maps, including corrections, . . . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . . . 

Repairs and expenses on real estate, 

Taxes on real estate, . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Agents' balances charged off, ..... 

Gross decrease in book value of stocks and bonds, 
Investment expenses, ...... 

All other disbursements, . . . 

Total disbursements, 

Balance. ....... 

Ledger Assets. 
Book value of real estate, . . . 
Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, ....... 

Furniture, fixtures and maps, ..... 

Total ledger assets, ..... 

Non-Ledger Assets. 

Interest accrued on: — 
Mortgages, $1,602.18; bonds, $3,359.16; collateral loans, $70.95; 

other assets, $401.78, 

Market value of real estate over book value, 



$2,198 34 


5,165 90 


. $823,255 74 


. 1,189,419 84 


. $2,012,675 58 


. $276,743 59 


7,720 84 


136,697 92 


1,684 11 


44,862 11 


53,235 86 


6,220 97 


13,942 64 


6,801 11 


533 00 


1,152 62 


5,697 01 


8,078 56 


5,272 74 


3,698 07 


3,587 63 


485 54 


6,670 55 


6,355 50 


2,121 05 


60,000 00 


383 93 


36,688 75 


4,573 08 


649 33 


. $693,856 51 


. $1,318,819 07 


$92,714 81 


391,000 00 


48,400 00 


500,977 09 


8,777 87 


10,802 77 


65,745 78 


180,749 09 


402 50 


19,249 16 


. $1,318,819 07 


&70.95;' 


5,434 07 


7,285 19 



THE CALIFORNIA INSURANCE CO. 



161 



Market value of stocks and bonds over book value, 
Due from Atlanta Birmingham Insurance Company, 



Gross assets, 



Assets not admitted. 



Furniture, fixtures and maps, . 
Agents' balances over three months due, . 
Bills receivable, past due, taken for premiums, . 
Due from Atlanta Birmingham Insurance Com- 
pany, 



$4,177 91 
2,500 00 

. $1,338,216 24 



$19,249 16 

2,961 21 

402 50 

2,500 00 25,112 87 



Admitted assets, 



$1,313,103 37 



Liabilities. 
,885 resisted, $55,761.61; less rein- 



Unpaid losses, including 

surance, $5,476.42, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, .... 

Total, 

Cash capital, ..... 

Surplus over all liabilities, 
Surplus to policy holders, 



Total liabilities, including surplus, 

Risks and Premiums. 



$400,000 00 
203,562 69 



$50,285 19 

624,016 25 

500 00 

9,500 00 

25,239 24 

$709,540 68 



603,562 69 
. $1,313,103 37 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

,642,371 00 $1,304,504 57 
92,934,901 00 1,247,861 08 



$191,577,272 00 $2,552,365 65 
77,508,180 00 1,082,933 08 



$114,069,092 00 $1,469,432 57 
21,729,826 00 313,189 94 

$92,339,266 00 $1,156,242 63 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (15 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 



$3,304,763 52 

2,951,776 58 

210,000 00 

289,337 12 

60,000 00 

162,760 00 



1,000 shares Judson Manufacturing Co., 

40 " Pacific Casualty Co., . 
Pacific Gas & Electric Co. 5s, 1936, . 
Peoples' Water Company 5s, 1937, . 



Company's 

Market Value. 

$40,000 001 

5,200 00/ 

2,100 00 

50,575 00 



Loaned 
Thereon. 

812,000 00 

1,400 00 
35,000 00 



$97,875 00 848,400 00 



162 



CALUMET INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the Company. 



Bank Stocks. 
125 shares Western Met. Nat., San Francisco, 

Miscellaneous Stocks, 
400 shares Calif. Wine Asso., pref., San Frans., 
200 " Pacific Gas & Elec. Co., pref., San F 
170 " Pacific Tel. & Tel. Co., preferred, 

Railroad Bonds. 
Ferries & Cliff House 6s, 1914, 
Los Angeles 5s, 1938, 
Los Angeles Pacific 1st consol. 5s, 1931, 
Los Angeles Pacific 5s, 1943, 
Oakland Traction 5s, 1933, 
Oakland Traction 5s, 1935, 
Oakland Transit 5s, 1932, 
Pacific Electric 5s, 1942, 
Petaluma & Santa Rosa 5s, 1924, 
San Francisco, Oakland & San Jose 5s, 1933, 
San Francisco & San Joaquin Valley 5s, 1940, 
Southern Pacific ref. 4s, 1955, . 
Sutter Street 5s, 1918, . 
United R.R.'s of San Francisco 4s, 1927, 
Western Pacific ref. 5s, 1933, . 

Miscellaneous Bonds. 
City Electric Co. 5s, 1937, 
Edison Light & Power Co. 6s, 1921, 
Great Western Power Co. 5s, 1946, . 
Northern California Power Co. 5s, 1932, 
Pacific Tel. & Tel. Co. 5s, 1937, 
Peoples' Water Co. 5s, 1937, . 
Sacramento Gas &' Electric Co. 5s, 1927, 
Spring Valley Water Co. 4s, 1923, . 



Book Value. 
$9,375 00 

34,493 75 
17,462 50 
16,225 00 

14,000 00 
21,050 00 
10,075 00 
19,666 67 
19,000 00 

9,000 00 
10,150 00 

5,112 50 
10,600 00 

5,175 00 
38,325 00 
37,800 00 

4,983 33 
33,937 50 
46,416 67 

22,312 50 
15,750 00 
21,875 00 
9,958 34 
19,500 00 
16,625 00 
10,066 67 
22,041 66 

$500,977 09 



Rate. 
65 

86 
90 
98 

100 

106 

104 

100 

98 

88 

103 

103 

91 

105 

112 

95 

98 

69 



91 

107 
83 

100 
99 
72 

104 
94 



Market Value. 
$8,125 00 

34,400 00 
18,000 00 
16,660 00 

14,000 00 
21,200 00 
10,400 00 
20,000 00 
19,600 00 

8,800 00 
10,300 00 

5,150 00 
10,920 00 

5,250 00 
39,200 00 
38,000 00 

4,900 00 
34,500 00 
44,500 00 

22,750 00 
16,050 00 
20,750 00 
10,000 00 
19,800 00 
18,000 00 
10,400 00 
23,500 00 

$505,155 00 



CALUMET INSURANCE COMPANY, CHICAGO, ILL. 

Incorporated Jan. 21, 1905. Commenced business March 22, 1905. 

Paid-up Capital, $300,000. 

W. IRVING OSBORNE, President. OTTO E. GREELY, Secretary 

Home Offi.ce, 89 South La Salle Street. 

Income. 
Net fire premiums, 



Gross interest on mortgages, $810; stocks and bonds, $28,542.67; 
bank deposits, $507.90, 

Total income, ........ 

Ledger assets, Dec. 31, 1910, ....... 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, . . ... 

Advertising, printing and stationery, 



$486,023 43 

29,860 57 

$515,884 00 
893,197 56 

1,409,081 56 



$387,403 01 

6,874 74 

100.233 89 

228 40 

34,798 87 

34,285 09 

4,790 04 

5,809 99 



CALUMET INSURANCE CO. 



163 



Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Agents' balances charged off, ..... 

All other disbursements, ... 

Total disbursements, 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, . . . . . . . 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Deposit with Philadelphia Underwriters' Association, 
Due from other companies, ..... 



Total ledger assets, 

Interest accrued on : — 
Mortgages, $371.25; bonds, 





$5,039 07 




2,127 29 




394 30 




1,878 96 




2,530 49 




3,217 01 




4,789 64 




10,435 90 




5,364 09 




1,608 24 




828 59 




3,010 90 


$615,649 11 


$793,432 45 


$18,000 00 




635,728 60 




11,206 15 




6,200 11 




21,753 95 




80,931 40 




100 00 




19,512 24 


, . 


$793,432 45 



Non-Ledger Assets. 
56,005.33, . 



Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . . $1,543 22 

Book value of stocks and bonds over market value, . 11,778 60 

Due from unauthorized companies, . . . . 58 36 

Deposit with Philadelphia Underwriters' Association, 100 00 

Special deposits less $5,951.26 liability thereon, . 3,848 74 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $8,115.59 resisted, $77,535.14; less rein- 
surance, $23,003.52, .... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, . . . 



Total, 

Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 



$300,000 00 
42,356 48 



6,376 58 



$799,809 03 



17,328 92 
$782,480 11 



$54,531 62 

363,388 97 

500 00 

9,500 00 

12,203 04 

$440,123 63 



342,356 48 
$782,480 11 



164 



CAMDEN FIRE INSURANCE ASSOCIATION. 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks and Premiums. 

Risks. 

$79,529,849 00 



76,555,212 00 



Premiums. 

$927,998 78 

894,799 54 

33,458 54 



$156,085,061 00 $1,856,256 86 
67,336,899 00 826,430 67 



,748,162 00 $1,029,826 19 
30,649,436 00 353,087 57 



$58,098,726 00 $676,738 62 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Par value of company's stock owned by directors, 



$2,478,504 26 

1,817,574 16 

39,000 00 

370,531 94 

134,900 00 



Schedule A. Stocks and Bonds owned by the Company. 



Miscellaneous Stocks. 
1 share General Adjustment Bureau, Phila., Pa., 
1 " Western Adjustment & Inspec. Co., Chic, 

Municipal Bonds. 
Chicago, 111., Sanitary Dist. 4s, 191-3-1928, 
New York, N. Y., 4s, 1955, 
Winnipeg, Manitoba, 4s, 1923, 

Railroad Bonds. 
Atchison, Topeka & Santa Fe conv. 5s, 1917, 
Chicago-Great Western 4s, 1959, 
Chic, Rock Island & Pacific ref. 4s, 1934, 
Kansas City Ry. & Light Co. 5s, 1913, 
Norfolk & Western conv. 4s, 1932, . 
Peoria 1st ref. 5s, 1926, . 
Southern Pacific Co. conv. 4s, 1929, 
Tri-City Ry. & Light Co. 5s, 1923, . 

Miscellaneous Bonds. 
Commonwealth Edison Co. lstmort. gold 5s, 1943, 



Book Value. 
$50 00 
140 00 

98,247 35 

100,125 00 

10,000 00 

26,622 50 
46,000 00 
45,000 00 
23,500 00 
76,612 50 
24,250 00 
155,781 25 
14,025 00 

15,375 00 

$635,728 60 



Rate. 
100 
200 

100 
99 
98 

108 
83 
89 
90 

108 
97 
97 
98 

103 



Market Value. 
$50 00 
200 00 

98,500 00 

99,000 00 

9,800 00 

27,000 00 
41,500 00 
44,500 00 
22,500 00 
81,000 00 
24,250 00 
145,500 00 
14,700 00 

15,450 00 
$623,950 00 



CAMDEN FIRE INSURANCE ASSOCIATION, CAMDEN, N. J. 

Incorporated March, 1841. Commenced business April, 1841. 

Paid-up Capital, $500,000. 

EDMUND E. READ, Jr., President. JOSEPH K. SHARP, Secretary. 

Home Office, 4&4 Federal Street. 

Income. 
Net fire premiums, ........ $1,305,574 41 

Deposit premiums on perpetual risks, ..... 1,478 00 

Gross interest on mortgages, $33,872.33; collaterals, $1,648.14; 
stocks and bonds, $67,335.02; bank deposits, $1,287.48; all 
other, $53.13; gross rents, including $3,000 for company's 
own occupancy, $3,318.80, 107,514 90 



CAMDEN FIRE INSURANCE ASSOCIATION. 



165 



Gross profit on sale or maturity of bonds, 

Borrowed money, . 

Truscott and Sharp agency, . 

From all other sources, . 

Total income, . 

Ledger assets, Dec. 31, 1910, . 



$296 00 

30,000 00 

2,058 05 

34 05 

$1,446,955 41 
2,448,394 66 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes. 

Inspections and surveys, .... 

Repairs and expenses on real estate, 
Taxes on real estate, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Deposit premiums returned, .... 

Dividends to stockholders, .... 

Agents' balances charged off, . 

Gross loss on sale or maturity of stocks and bonds, 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A) , 
Book value of stocks and bonds (schedule B) , . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, ..... 



$3,895,350 07 


$726,356 08 


10,514 


72 


340,524 


69 


5,760 01 


20,020 46 


53,031 


20 


3,000 


00 


13,679 


68 


6,073 


65 


1,535 


05 


888 27 


4,142 


79 


11,034 77 


8,445 


18 


3,927 85 


318 


60 


647 


00 


13,831 


55 


6,389 


09 


5,682 


12 


375 


00 


59,979 


60 


1,789 


80 


1,898 


75 


30,000 


00 


32 


78 


4,005 40 


$1,333,884 09 


$2,561,465 


98 


854,154 36 


652,775 


00 


51,000 00 


1,514,993 


01 


1,562 


38 


1,476 


01 


86,136 


59 


199,268 63 


100 


00 


$2,561,465 98 



166 



CAMDEN FIEE INSURANCE ASSOCIATION. 



Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $9,254.45; bonds, $15,246.64; collateral loans, $621.02; 
other assets, $679.02, . . . 



Gross assets, 



$25,801 13 
. $2,587,267 11 



Assets not admitted. 



Agents' balances over three months due, .. . . $23 87 

Book value of real estate over market value, . . 5,954 36 

Book value of stocks and bonds over market value, . 19,839 01 

Deposit with Philadelphia Underwriters' Association, 100 00 



Admitted assets, 



■ Liabilities. 



Unpaid losses, $120,076; less reinsurance, $17,053.08, 
Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Dividends declared and unpaid to stockholders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
•Interest paid in advance, .... 

Reserve for contingencies, 



Total, . . . 
Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . — 

Total liabilities, including surplus, 

Risks and Premiums. 



$500,000 00 
737,106 38 



25,917 24 
$2,561,349 87 



$103,022 92 

1,163,186 32 

26,688 40 

317 90 

1,002 95 

20,000 00 

25 00 

10,000 00 

$1,324,243 49 



1,237,106 38 
$2,561,349 87 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, 

Expired and terminated, 

In force at end of year, .... 
Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

$218,942,956 00 $2,428,226 26 

166,192,149 00 1,895,379 12 

20,456 67 



Perpetual risks in force (not included above), 

Miscellaneous." 1 
Net premiums received from organization of company, 
Net losses paid from organization of company, . 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (12 per cent.), 
Par value of company's stock owned by directors, 



$385,135,105 00 $4,344,062 05 
155,563,000 00 1,793,244 29 

$229,572,105 00 $2,550,817 76 
23,450,596 00 280,754 87 

$206,121,509 00 $2,270,062 89 

$1,241,566 00 $29,653 78 



$10,602,404 01 

5,366,435 06 

644,025 73 

52,865 00 

713,436 93 

60,000 00 

78,395 00 



CAMDEN FIRE INSURANCE ASSOCIATION. 



107 



Schedule A. Securities held as Collateral. 

Company's Loaned 

Market Value. Thereon. 

$9,200 00 $5,000 00 

12,880 00 6,000 00 

4,600 00 2,500 00 

35,000 00 24,000 00 

14,000 00 4,000 00 

14,850 00 3,900 00 

14,962 50 3,000 00 

920 00 500 00 

2,750 00 1,000 00 

1,375 00 600 00 

1,375 00 500 00 

$111,912 50 $51,000 00 



100 shares Central Trust Co., Camden, N. J., 
140 " Central Trust Co., Camden, N. J., 
50 " Central Trust Co., Camden, N. J., 
250 " Camden Horse R.R. Co., 
100 " Camden Horse R.R. Co., 

132 " Gloucester Turnpike Co., 

133 " Gloucester Turnpike Co., 
Public Service Corporation of N. J. 5s, 1959, 

10 shares Security Trust Co., Camden, N. J., 
5 " Security Trust Co., Camden, N. J., 
5 " Security Trust Co., Camden, N. J., 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
500 shares Camden Horse, 
100 " Phila., Germantown & Norristown, 
650 " United N. J. R. R. & Canal, . 
500 " West Jersey & Seashore, . 

Bank Stocks. 
42 shares Girard Trust Co., Phila., 
25 " Philadelphia National, 

Miscellaneous Stocks. 
9 shares General Adjust. Bureau of N. Y., 
550 " Philadelphia & Camden Ferry Co., 

County and Municipal Bonds. 
Atlantic City, N. J., 4*s, 1928, 
Bridgeton, N. J., 4s, 1927, 
Camden, N. J., 4£s, 1937, 
Camden County, N. J., 4s, 1944, 
Collingswood, N. J., School 4s, 1912-13, 
Collingswood, N. J., School 4s, 1914-18, 
Collingswood, N. J., School 4s, 1919-24, 
Collingswood, N. J., School 4s, 1925-32, 
Collingswood, N. J., School 4s, 1933^6, 
Collingswood, N. J., School 4s, 1947-59, 
Duluth, Minn., 5s, 1926, 
Gloucester, N. J., 4s, 1915, 
Haddonfield, N. J., School 4Js, 1942-46, 
Jersey City, N. J., 7s, 1913, . 

4s 1932 

J., School 4 Js, 1922, 

School 4|s, 1920, 

4s, 1932, . 

5s, 1941, . 

Railroad Bonds. 
Atlantic City 1st cons. 4s, 1951, 
Atlantic City 5s, 1919, . 
Bridgeton & Millville Traction 1st 5s, 1930 
Camden Horse 1st cons. 5s, 1912, 
Camden & Suburban 1st 5s, 1946, 
Citizens Street 1st 6s, 1927, 
Consolidated Traction, N. J., 5s, 1933, 
Easton & Amboy 1st 5s, 1920, 
Iron Mountain Car Trust 5s, 1912, . 
Jersey City, Hoboken & Paterson 1st 4s, 1949, 
Lehigh Valley Terminal 5s, 1941, 
Long Dock Company cons. 6s, 1935, 
Midland of N. J. 1st 5s, 1940, . 
Newark Passenger 1st cons. 5s, 1930, 
N. J. & Hudson River Ry. & Ferry 1st 4s, 1950 
New Jersey & New York 1st 5s, 1950, 
N. Y., L. E. & W. Docks & Imp. Co. 1st 6s, 1913 
North Hudson County 6s, 1914, 
Paterson cons. 6s, 1931, . 



Jersey City, N. J 
Merchantville, N 
Ocean City, N. J 
Ocean City, N. J 
Ocean City, N. J 



Book Value. 
$69,510 00 

16,900 00 
164,650 75 

28,222 65 

31,254 00 
9,292 00 

450 00 
53,725 00 

40,892 80 

5,290 00 

51,525 00 

107,500 00 



24,000 00 



5,800 00 
50,000 00 
10,547 20 
16,788 30 

5,100 00 
18,000 00 
38,288 80 

7,000 00 
15,844 71 

25,680 00 
26,535 00 
11,500 00 
24,156 10 
52,701 25 
-2,100 00 
107,175 00 
26,562 50 

2,000 00 
23,895 00 
57,259 20 
24,800 00 

5,475 00 
39,968 75 
24,670 00 
15,750 00 
20,951 40 

3,202 50 
24,133 60 



Rate. 

550 

300 

240 

107 

995 
430 

100 
230 

102 
97 

106 
98 

100 
99 
98 
97 
96 
95 

107 
98 

103 

104 
98 

102 
99 
93 

104 

93 
105 
100 
100 
105 
104 
104 
106 
100 

76 
113 
125 
111 
108 

83 
105 
102 
103 
119 



00 
00 
00 
00 
00 
00 



Market Value. 

$68,750 00 

15,000 00 

156,000 00 

26,750 00 

41,790 00 
10,750 00 

450 00 
63,250 00 

40,800 00 

4,850 00 
53,000 00 
98,000 00 

1,000 00 

2,475 

2,940 

3,880 

6,720 

6,175 

5,350 
49,000 00 
10,300 00 
15,600 00 

4,900 00 
18,360 00 
37,620 00 

6,510 00 
15,600 00 

24,180 00 
26,250 00 
11,000 00 
23,000 00 
52,500 00 

2,080 00 

104,000 00 

26,500 00 

2,000 00 
22,800 00 
56,500 00 
25,000 00 

5,550 00 
37,800 00 
24,900 00 
15,750 00 
20,400 00 

3,090 00 
23,800 00 



168 



THE CAPITAL FIRE INSURANCE CO. 



Public Service Corporation of N. J. 5s, 1959, 

Seaboard Air Line 5s, 1912-13, 

Seacoast prior lien 5s, 1948, 

Seacoast general 5s, 1948, 

South Jersey Gas, Elec. & Trac. 1st 5s, 1953, 

Trenton Passenger 1st 6s, 1922, 

Trenton Passenger 1st 6s, 1926, 

Trenton Passenger 1st 6s, 1931, 

West Jersey & Seashore 1st 3|s, 1936, 

Miscellaneous Bonds. 
Hoboken Ferry Co. 1st 5s, 1946, 
Hudson County Gas Co. 1st 5s, 1949, 
Newark Consol. Gas Co. 5s, 1948, 
Patterson & Passaic Gas & Elec. Co. cons. 5s, 1949, 
Trenton Gas & Elec. Co. 1st 5s, 1949, 



Book Value. 

$18,725 00 

2,000 00 

4,104 00 

2,271 00 

50,562 50 



Y 43,584 00 1 



r 



j 



9,600 00 

25,880 00 
26,812 50 
10,750 00 
14,735 00 
16,872 50 

L, 514,993 01 



Rate. 

93 
100 
109 
109 

99 
110 
113 
116 

91 

105 
105 
106 
103 
104 



Market Value. 

$18,600 00 

2,000 00 

3,924 00 

2,180 00 

49,500 00 
1,100 00 
3,390 00 

38,280 00 
9,100 00 

26,250 00 
26,250 00 
10,600 00 
14,420 00 
16,640 00 

$1,495,154 00 



THE CAPITAL FIRE INSURANCE COMPANY OF CONCORD, N. H., 

CONCORD, N. H. 

Incorporated March 10, 1886. Commenced business March 19, 1888. 
Paid-up Capital, $200,000. 
LYMAN JACKMAN, President. CHARLES L. JACKMAN, Secretary. 

Home Office, 2 South Main Street. 

Income. 
Net fire premiums, ........ 

Gross interest on mortgages, $4,436.58; collaterals, $683.36; 

stocks and bonds, $27,974.50; bank deposits, $470.80; all 

other, $129.61; gross rents, $6,265.40, . 
Agents' balances previously charged off, . 
Gross profit on sale or maturity of stocks and bonds, 
Commissions on reinsurance, ... 
Borrowed money, ...... 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



$11,541 65 



39,960 25 

40 18 

4,560 27 

167,093 32 

302,900 00 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage,* . . . 
Agency expenses, ...... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 



$526,095 67 
871,234 61 

1,397,330 28 



$248,750 84 

2,382 13 

115,353 24 

620 73 

21,832 44 

16,106 16 

805 00 

2,920 46 

1,346 00 

207 

180 

93 

2,970 

3,938 

319 



39 
50 
05 
73 
23 
50 



* This item has not been reduced by commission received for reinsurance as the amount so received 
exceeded the amount paid. See. income. 



THE CAPITAL FIRE INSURANCE CO. 



1G9 



Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, .... 

Agents' balances charged off, .... 

Gross loss on sale or maturity of stocks and bonds, 

Borrowed money repaid, .... 

Interest on borrowed money, .... 

All other disbursements, .... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, . . . . . . . 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . 



Total ledger assets, 



Non-Ledger Assets. 



Interest due and accrued on: — 
Mortgages, $1,120.41; bonds, $2,288.78; other assets, $175.52, 
Rents due and accrued on company's property, 
Due from other companies, ....... 

Gross assets, . . . ... 

Assets not admitted. 

Agents' balances over three months due, . . . $5,558 77 

Book value of real estate over market value, . . 5,971 62 

Book value of stocks and bonds over market value, . 311 00 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $1,685.48 resisted, $24,668.04; less rein- 
surance $6,618.04, " 

Unearned premiums on outstanding risks, 
Interest due or accrued on borrowed money, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Borrowed money, ...... 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$200,000 00 
277,293 58 



$3,512 02 

1,095 12 

4,920 39 

2,606 81 

3,367 S3 

54,900 00 

65 25 

2,112 50 

152,900 00 

374 78 

638 52 

$644,319 62 

$753,010 66 

$86,171 62 
88,015 55 
15,000 00 

496,769 00 

12,577 52 

21,129 32 

1,092 80 

32,254 85 

$753,010 66 



3,584 71 

595 67 

1,304 54 

$758,495 58 



11,841 39 
$746,654 19 



$18,050 00 

95,559 62 

1,216 67 

3,034 32 

1,500 00 

150,000 00 

$269,360 61 



477,293 58 



Total liabilities, including surplus, 



8746,654 19 



170 



THE CAPITAL FIRE INSURANCE CO. 





Risks and Premiums. 










Risks. 


Premiums. 


Fire risks in force Dec. 31, 1910, 


. $77,397,682 00 


$884,227 02 


Fire risks written during the year, . 


. 48,515,584 00 


530,984 51 


Total, 


. $125,913,266 00 $1,415,211 53 


Expired and terminated, 


. 46,973,707 00 


574,442 32 


In force at end of year, .... 


. $78,939,559 00 


$840,769 21 


Deduct amount reinsured, 


. 62,139,553 00 


667,421 71 


Net amount in force, 


. $16,800,006 00 


$173,347 50 


Miscellaneous. 






Net premiums received from organization of 


company, 


. $5,347,074 97 


Net losses paid from organization of company, 




3,214,093 11 


Cash dividends declared from organization of company, 




232,564 00 


Fire losses incurred during the year, 


. 




216,669 99 


Dividends declared during the year, 


, . 




54,900 00 


Par value of company's stock owned by directors. 




36,600 00 


Schedule A. Securities held as Colla' 


rERAL. 






Company's 


Loaned 




Market Value. 


Thereon. 


20 shares Amalgamated Copper Co., 


$1,200 00 1 




100 " Atlantic Gulf & West Indies S. S. Co., 


pref., 


1,500 00 j 




100 " China Copper Co., .... 




2,300 00 | 




60 " North Butte Mining Co., 




1,320 00 , 


■ $10,000 00 


Searsport Water Co. 1st 5s, 1927, 




2,000 00 | 




Springfield, Mo., Water Co. 1st 5s, 1936, . 




2,000 00 | 




Westinghouse Electric Co. 5s, 1917, . 




1,940 00 J 




65 shares Swift & Co., . 




6,597 50 


5,000 00 






$18,857 50 


$15,000 00 


Schedule B. Stocks and Bonds 


OWNED BY THE COMPANY. 


Railroad Stocks. 


Book Value. 


Rate. 


Market Value. 


65 shares Atch., Topeka & Santa Fe, com., 


$6,890 63 


107 


$6,955 00 


60 ' 


' Atch., Topeka & Santa Fe, pref., 


5,975 63 


104 


6,240 00 


33 « 


1 Boston & Maine, . 


4,558 12 


101 


3,333 00 


30 * 


' Chicago Jet. & Un. Stk. Yds., pref., . 


3,537 50 


108 


3,240 00 


30 ' 


' Chicago, Milwaukee & St. Paul, 


3,868 75 


109 


3,270 00 


45 ' 


' Chicago & Northwestern, 


6,312 50 


145 


6,525 00 


20 ' 


1 Concord & Montreal, Class 4, . 


3,011 10 


162 


3,240 00 


25 « 


' Connecticut R.R. & Lighting Co., 


1,956 25 


75 


1,875 00 


40 ' 


' Delaware & Hudson Co., 


6,390 00 


168 


6,720 00 


94 « 


1 Great Northern, preferred, 


12,097 50 


127 


11,938 00 


58 ' 


' Illinois Central, .... 


8,071 18 


140 


8,120 00 


10 ' 


' Manhattan Elevated, 


1,396 25 


136 


1,360 00 


20 ' 


1 Massachusetts Elec. Cos., pref., 


1,455 00 


97 


1,940 00 


60 « 


' New York Cent. & Hud. River, 


6,557 50 


109 


6,540 00 


10 ' 


1 New York, New Haven & Hartford, . 


1,518 75 


137 


1,370 00 


45 « 


' Northern Pacific, .... 


5,571 88 


118 


• 5,310 00 


248 ' 


' Pennsylvania, . . . 


15,053 90 


123 


15,252 00 


20 * 


' Southern Pacific, .... 


2,356 25 


113 


2,260 00 


30 ' 


' Union Pacific, .... 


4,802 50 


174 


5,220 00 


Bank Stocks. 








14 shares First National, Concord, N. H., 


, 4,446 75 


350 


4,900 00 


75 " Mechanics National, Concord, N. H., 


11,330 00 


155 


11,625 00 


10 " National Bank of Lebanon, N. H., 


1,200 00 


130 


1,300 00 


148 " National State Capitol, Concord, N. H. 


34,334 00 


248 


36,704 00 


Miscellaneous Stocks. 








30 shares Am. Agricul. Chemical Co., pref., 


2,845 00 


103 


3,090 00 


40 " American Locomotive Co., pref., 


3,757 50 


106 


4,240 00 


80 « 


' American Sugar Ref. Co., pref., 


9.0S 


5 00 


118 


9,440 00 



THE CAPITAL FIRE INSURANCE CO. 



171 



166 shares American Tel. & Tel. Co., 

25 " American Tobacco Co., pref., . 
64 " American Woolen Co., pref., 

26 " Amoskeag Manufacturing Co., 
22 " Concord Axle Co., . 
35 " Concord Electric Co., com., 

21 " Concord Electric Co., pref., 
93 " Concord Real Estate Co., 
20 " Federal Sugar Refining Co., pref., 

2 " General Adjustment Bureau, 
62 " General Electric Co., 
20 " Mackay Companies, pref., 
20 " Mackay Companies, com., 

22 " Mergenthaler Linotype Co., 
2 " Nashua Manufacturing Co., 

25 " Page Belting Co 

25 " Prescott Piano Co., pref., 
82 " Pullman Co., .... 
15 " Stonega Coke & Coal Co., 
75 " Swift & Co 

5 " The Woodbury E. Hunt Co., . 
5 " Underwriters Salvage Co., Chicago, 

26 " United Fruit Co., . 
60 " United Shoe Machinery Co., pref., 
85 " United States Steel Co., pref., . 
10 " Virginia & Carolina Chem. Co., pref 

1 share Western Adjust. & Inspection Co., 
20 shares Western Union Telegraph Co., 
Municipal Bonds. 
Concord, N. H., 3Js, 1914, 
Concord, N. H., 3Js, 1919, 
Dover, N. H., 4s, 1912, . 
Farmington, N. H., 4s, 1918, . 
Hillsborough Bridge, N. H., 4s, 1917, 
Keene, N. H., 4s, 1917, . 
Keene, N. H., 3|s, 1912, 
Nashua, N. H., 4s, 1913, 
New Rochelle, N. Y., 5s, 1921, 
New York, N. Y., 3fs, 1953-54, 
New York, N. Y., 4s, 1936, 
New York, N. Y., 4|s, 1960, . 
Portsmouth, N. H., 4s, 1916, . 
Richmond, Va., 4s, 1944, . 
Somersworth, N. H., 4s, 1915, 
Somersworth, N. H., 4s, 1918, 
White Plains, N. Y., 5is, 1912, 
Yonkers, N. Y., 4s, 1913, 

Railroad Bonds. 
Hudson Companies note, 6s, 1913, 
Pere Marquette of Indiana 1st 4s, 1943, 
Somerset 1st 4s, 1955, 
Southern Indiana 1st 4s, 1951, 

Miscellaneous Bonds. 
Cons. Gas, Elec. Lt. & Power Co., Bait., 4|s, 1935, 
Elkhart Gas Co. 1st 5s, 1924, . 
Keokee Consolidated Coke Co. 5s, 1959, . 
Metropolitan Steamship Co. 1st 5s, 1939, . 
New York & Pennsylvania Tel. Co. 4s, 1929, 
Nipe Bay Co. 6s, 1914, . 
Page Belting Co. note, 5s, 1912, 
Page Belting Co. note, 5§s, 1912, 
St. Clair Furnace Co. 1st 5s, 1924, 
Western Tel. & Tel. Co. col. trust 5s, 1932, 



Book Value. 
23 
75 
76 
00 
00 
00 
00 
00 
50 
00 



25 
00 
50 
00 



$19,381 
2,343 
5,693 
5,115 
2,506 
3,531 
2,363 
8,970 
1,702 

100 
8,858 35 
1,432 50 
1,601 
3,890 
1,162 
1,250 
2,500 00 
7,830 55 

450 00 
7,732 50 

500 00 

500 00 
3,860 95 
1,913 75 
9,394 37 
1,211 25 

140 00 
1,787 50 

1,466 25 

946 20 

2,002 50 

5,000 00 

1,000 00 

2,014 40 

987 50 

1,005 00 

3,280 50 

54,107 50 

40,800 00 

15,225 00 

500 00 

11,002 50 

1,000 00 

2,000 00 

5,200 00 

4,970 50 

7,900 00 

1,900 00 

960 00 

6,275 00 



00 
00 
00 
00 
00 
00 



850 

2,970 

2,550 

5,100 

2,745 

5,000 
10,000 00 
15,000 00 

4,987 50 

1,922 50 

$496,769 00 



Rate. 

140 

105 

90 

78 

120 

95 

104 

50 

96 

100 

156 

70 

80 

220 

130 

140 

50 

159 

101 
100 
100 
184 
114 
111 
120 
200 
79 

99 

98 
100 

99 
100 
100 
100 
100 
106 

88 

99 
103 
100 

97 
100 

99 
100 
100 

98 
83 
94 

84 



97 

93 

80 

88 

101 

100 

100 

102 

100 



00 
00 
00 
00 
00 
00 



Market Value. 
$23,240 00 
2,625 00 
5,760 
2,028 
2,640 
3,325 
2,184 
4,650 
1,920 00 
100 00 
9,672 00 
1,400 00 
1,600 00 
4,840 00 
1,300 00 
1,750 00 
1,250 00 
13,038 00 

7,575 00 

500 00 

500 00 

4,784 00 

1,710 00 

9,435 00 

1,200 00 

200 00 

1,580 00 



00 
00 
00 
00 
00 
00 



1,485 

980 

2,000 

4,950 

1,000 

2,000 

1,000 00 

1,000 00 

3,180 00 

50,160 00 

39,600 00 

15,450 00 

500 00 

10,670 00 

1,000 00 

1,980 00 

5,000 00 

5,000 00 

7,840 00 

1,660 00 

940 00 

5,880 00 



00 
00 
00 
00 
00 



880 

2,910 

2,790 

4,000 

2,640 

5,050 00 
10,000 00 
15,000 00 

5,100 00 

2,000 00 

$496,458 00 



172 



THE CENTRAL MANUFACTURERS MUTUAL INSURANCE CO. 



THE CENTRAL MANUFACTURERS' MUTUAL INSURANCE 
COMPANY, VAN WERT, OHIO. 

Incorporated April 7, 1876. Commenced business Oct. 2, 1876. 
H. V. OLNEY, President. C. A. L. PURMORT, Secretary. 

Office, 122 West Main Street. 

Income. 
Net premiums, ....... 

Gross interest on mortgages, $5,126.84; bonds, $12,05' 
rents, including $1,200 for company's own occupancy, $3,116, . 

Total income, . . . . ; . 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



taxes, 



Net amount paid policy holders for losses, 

Expenses of adjustment and settlement of losses, 

Dividends to policy holders, . 

Commissions or brokerage, 

Salaries and expenses of special agents, 

Salaries, fees, etc.. of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and 

Inspections and surveys, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Book value of bonds (schedule A), . 
Cash in office, ..... 
Deposits in trust companies and banks not on interest, 
Agents' balances, ..... 

Total ledger assets, 

Non-Ledger Assets. 
Interest accrued on: — 
Mortgages, $1,386.82; bonds, $3,305.72, . 
Market value of bonds over book value. . 

Gross assets, .... 



. 


. $375,565 31 


!; gross 


3,116, 


20,297 26 


. $395,862 57 


• 


505,833 85 


. $901,696 42 


. $200,888 62 




.2,281 25 




61,999 19 




41,481 71 




5,868 12 




18,906 50 




1,200 00 




2,369 25 




1,393 71 




335 27 




37 25 




231 50 


• 


132 55 




» 349 34 




12,219 09 




571 46 




4,024 34 




979 72 




730 57 




4,138 81 




$360,138 25 




$541,558 17 


$40,000 00 


72,875 00 


342,300 00 


3,531 47 


36,821 36 


• 


46,030 34 


$541,558 17 


4,692 54 


• 


3,506 00 


$549,756 71 



THE CENTKAL MANUFACTURERS MUTUAL INSURANCE CO. 



173 



Liabilities. 
Unpaid losses, including $2,500 resisted, . 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Commissions and other charges due agents and brokers, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, ..... 

Total liabilities, including surplus, 



In force Dec. 31, 1910. . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

. $24,106,078 00 
. 31,136,909 00 



Cash Prem's. 

$331,887 01 
452,550 87 



$19,696 60 

186,791 27 

200 00 

2,480 50 

4,800 00 

$213,968 37 
335,788 34 

$549,756 71 



Conting't Prem's. 

$933,984 26 
957,454 17 



$55,242,987 00 
30,143,401 00 



$784,437 88 $1,891,438 43 
416,444 21 1,069,292 36 



$25,099,586 00 $367,993 67 $822,146 07 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends paid policy holders from organization of company, 
Losses incurred during the year, ..... 
Dividends to policy holders during 1911, 25 per cent. 

Schedule A. Bonds owned by the Company. 

Rate. 
100 
102 



Government Bonds, 
United States 2s, 1930, . 
United States 3s, 1918, op. 1908, 

County and Municipal Bonds. 
Akron, O., School Dist. 4s, 1923, 
Barnesville, O., 5s, 1918-19, 
Barnesville, O., 5s, 1920, 
Barnesville, O., 5s, 1935-36, 
Barnesville, O., 5s, 1937-43, 
Barnesville, O., 5s, 1944, 
Canton, O., School Dist. 4s, 1928, 
Cincinnati, O., School 4s, 1949, 
Columbus, O., 4s, 1919, . 
Cuyahoga Co., O., 4s, 1922, 
Cuyahoga Co., O., 4s, 1928, 
Fostoria, O., 4s, 1925, 
Maumee, O., 4|s, 1937, . 
New Lexington, O., 4s, 1912-23, 
Putnam Co., O., 4s, 1919-21, 
Toledo, O., 4s, 1922, 
Troy, O., 4s, 1920-26, . 
Union City, O., School 4s, 1916-21, 
Union City, O., School 4s, 1922-24, 
Van Wert, O., School 4s, 1926-37, 
Van Wert Co., O., Harrison Tp. 4s, 1920-21, 
Van Wert Co., O., York Tp. 4s, 1924-26, 
Van Wert Co., O., W. York Tp. 4s, 1928-29, 
Van Wert Co., O., 4fs, 1912-27, 
Wellsville, O., 4Js, 1925-26, . 
Wellsville, O., 4a S , 1927-30, . 
Wellsville, O., 4^s, 1931, 



Book Value. 

$50,000 00 

1,800 00 

16,000 00 

2,000 00 

1,000 00 

2,000 00 

7,000 00 

500 00 

23,000 00 

25,000 00 

20,000 00 

10,000 00 

15,000 00 

8,000 00 

9,000 00 

6,000 00 

20,000 00 

25,000 00 

19,500 00 

12,000 00 

6,000 00 

15,000 00 

5,000 00 

10,000 00 

7,000 00 

10,000 00 

4,000 00 

10,000 00 

2,500 00 

$342,300 00 



100 
103 
104 
107 
108 
109 
100 
102 
101 
101 
102 
100 
104 
100 
100 
101 
100 
100 
99 
100 
100 
100 
100 
100 
105 
106 
107 



£4,135,367 28 

2,069,596 82 

606,855 61 

200,608 69 



Market Value. 

$50,000 00 

1,836 00 

16,000 00 

2,060 00 

1,040 00 

2,140 00 

7,560 00 

545 00 

23,000 00 

25,500 00 

20,200 00 

10,100 00 

15,300 00 

8,000 00 

9,360 00 

6,000 00 

20,000 00 

25,250 00 

19,500 00 

12,000 00 

5,940 00 

15,000 00 

5,000 00 

10,000 00 

7,000 00 

10,000 00 

4,200 00 

10,600 00 

2,675 00 

S345.S06 00 



174 



CENTRAL NATIONAL FIRE INSURANCE CO. 



CENTRAL NATIONAL FIRE INSURANCE COMPANY, CHICAGO, ILL. 

Incorporated March 6, 1909. Commenced business March 8, 1909. 

Cash Capital, $400,000. 

JAMES B. HOBBS, President. , F. M. RICE, Secretary. 

Home- Office, 108 South La Salle Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $7,040.57; collaterals, $449.52; 
stocks and bonds, $16,342.40;* bank deposits, $595.91; all 
other, $106.02, 

Gross profit on sale of bonds, . . . . 

Premium on increase in capital, . ..... 



$399,873 50 



24,534 42 

1,203 75 

100,000 00 



Total income, ....... 

Ledger assets, Dec. 31, 1910, plus $100,000 increase in capital, 



$525,611 67 
871,365 73 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . . . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, ..... 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 
Dividends to stockholders, ..... 

Gross loss on sale or maturity of bonds, . 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 

Mortgage loans on real estate, ...... 

Loans secured by collateral (110 shares Dodd & Struthers, Inc.), 
Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

* Includes interest not due until Jan. 1, 1912. 



$1,396,977 40 


$324,287 66 


6,997 41 


118,579 44 


22,088 29 


51,654 70 


2,415 88 


8,282 65 


5,944 46 


1,827 19 


1,125 97 


1,400 42 


3,718 07 


1,492 36 


290 10 


7,810 95 


5,487 34 


12,000 00 


997 35 


1,177 38 


$577,577 62 


$819,399 78 


$158,950 50 


5,000 00 


463,650 84 


22,685 26 


441 80 


67,860 85 


74,921 15 



CENTRAL NATIONAL FIRE INSURANCE CO. 



175 



Bills receivable, $23,417 10 

Premium on mortgages purchased, . . . . . . 116 25 

Due from other companies, ....... 2,356 03 

Total ledger assets, $819,399 78 

Non-Ledger Assets. 

Interest accrued on : — 
Mortgages, $4,101.45; bonds, $6,289.25; collateral loans, $25.48; 

other assets, $27.17, 10,443 35 

Furniture, fixtures and maps, . . . . . . . 7,891 90 

Due for salvage, ......... 868 49 

Due from other companies, . . . . . . . 2,195 06 

Gross assets, $840,798 58 

Assets not admitted. 

Furniture, fixtures and maps, ..... $7,891 90 

Agents' balances over three months due, . . . 2,095 64 

Bills receivable, past due, taken for premiums, . . 591 83 

Book value of stocks and bonds over market value, . 6,142 34 

Due for salvage, ....... 868 49 

Due from unauthorized companies, % . . . 1,956 17 

Premium on mortgages purchased, . . . . 116 25 

Admitted assets, . . . 

Liabilities. 
Unpaid losses, including $3,371.09 resisted, $46,908.14; less rein- 
surance, $3,582.83, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, ..... 



19,662 62 
$821,135 96 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$400,000 00 
43,288 55 



$43,325 31 

302,353 49 

113 18 

7,000 00 

25,055 43 

8377,847 41 



443,288 55 
$821,135 96 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$39,923,581 00 
50,606,439 00 

$90,530,020 00 
39,861,694 00 

$50,668,326 00 
7,330,438 00 



Premiums. 

$522,877 21 
679,911 53 

$1,202,788 74 
623,602 25 

$579,186 49 
70,990 46 



$43,337,888 00 $508,196 03 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 



$1,117,590 44 
540,980 31 



176 



CENTRAL NATIONAL FIRE INSURANCE CO. 



Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year, 

Par value of company's stock owned by directors, 



$12,000 00 

339,587 73 

12,000 00 

130,625 00 



Schedule A. Stocks and Bonds owned by the Company. 



Stocks. 
100 shares Merchants & Mfrs. Bank, Mil., Wis. 
1 share Western Adj. & Inspection Co., . 

County and Municipal Bonds. 

Aurora, 111., 4|s, 1924-28, 

Aurora, 111., 4±s, 1929-31, 

Batavia, 111., 4|s, 1929-31, 

Bureau Co., Arispe & Indian Twp., 111., School 5s, 
1925-26 . .1 

Bureau Co., Arispe & Indian Twp., 111., School 5s, j- 
1927-31, 

Bushnell, 111., 5s, 1919-23, op. 1916, . 

Carrni, 111., 5s, 1914-1916, . . . 

Chicago, 111., 4£s, 1924, .... 

Chicago, 111., 4fs, 1918, . ... 

Chicago, 111., 4s, 1930, .... 

Christian County, 111., 4|s, 1923-27, 

Cook & Will Cos., 111., School Dist. 5s, 1924-25, 

Cook & Will Cos., 111., School Dist. 5s, 1926-27, 

Cook & Will Cos., 111., School Dist. 5s, 1928* 

Cook County, 111., School Dist. 4§s, 1924, 

Cook County, 111., School Dist. 4|s, 1918, 

Douglas Co. School Dist. 5s, 1917-20, 

East St. Louis, 111., 4|s, 1928, . . 

Edgar Co., 111., School Dist. 5s, 1913-15, . 

Edgar Co., 111., School Dist. 5s, 1916-19, . 

Edgar Co., 111., School Dist. 5s, 1920-21, . 

Fernwood Park Dist., 111., 4Js, 1918-27, . 

Franklin Co., 111., School Dist. 5s, 1920-23, 

Herrin, 111., 5s, 1929-30, 

Kane County, 111., School Dist. 4£s, 1926-27, 

Kane County, 111., School Dist. 4s, 1931, . 

Kankakee Co., 111., School Dist. 5s, 1913, . 

Kankakee Co., 111., School Dist. 5s, 1914-15, 

Kankakee Co., 111., School Dist. 5s, 1916, . 

Kankakee Co., 111., School Dist. 5s, 1917-18, 

Kankakee Co., 111., School Dist. 5s, 1919-20, 
School Dist. 5s, 1921-22, 
School Dist. 5s, 1923-24, 
School Dist. 5s, 1925-27, 
School Dist. 5s, 1928-29, 
School Dist. 5s, 1930-31, 

Kaw Val. Drain. Dis. (Wyn. Co., Kan.) 5s, 1940 

La Salle Co., 111., School Dist. 4§s, 1923-26, 

Lawrence Co., 111., School Dist. 6s, 1913, 

Lawrence Co., 111., School Dist. 6s, 1914, 

Lawrence Co., 111., School Dist. 6s, 1915, 

Marissa, 111., School Dist. 5s, 1912, . 

Maroa, 111., 5s, 1915-16, . 

Maroa, 111., 5s, 1917, 

Maroa, 111., 5s, 1918-19, . 

Marseilles, 111., 5s, 1916-17, 

Marseilles, 111., 5s, 1918-19, 

Mattoon Township, 111., 4s, 1931, . 

New York, N. Y., 4s, 1959, 

Oklahoma City, Okla., 5s, 1934, 

Pana, 111., 4s, 1918, 

Peoria, 111., 4s, 1926-28, . 

Rockford, 111., 4s, 1929, . 

Rossville, 111., 6s, 1920-21, 

Rossville, 111., 6s, 1922, . 

Rossville, 111., 6s, 1923-24, 

St. Clair Co., 111., Drain, Dist. 5s, 1913, 

St. Clair Co., 111., Drain. Dist. 5s, 1914, 



Kankakee Co., 111. 
Kankakee Co., 111. 
Kankakee Co., 111. 
Kankakee Co., 111. 
Kankakee Co., 111. 



J 



Book Value. 

$6,000 00 

200 00 

10,289 85 | 
5,191 40 

r 



i 



7,659 40 { 

10,861 20 
10,218 45 
16,087 50 

5,240 00 
34,956 25 

5,125 60 

1 f 

J- 5,345 00^ 



10,338 00 
3,107 10 
5,229 00 

10,787 50 

r 

9,243 10^ 

I 
6,563 00 
9,255 11 
4,867 55 
5,170 00 
9,850 00 

r 



9,971 25 



10,392 50 
10,307 20 

13,707 60^ 



2,036 20 
5,166 30 



I 



10,487 

9,750 
5,028 
5,359 
7,847 
10,312 
10,325 



50 

00 
12 
00 
20 
50 
00 



/ 



r 



f 5,525 50 i 



) 



3,057 
2,048 



90 
60 



Rate. 
107 
200 

104 
105 
102 

105 

106 
103 
101 
105 
103 
100 
100 
108 
109 
110 
103 
102 
100 
103 
101 
102 
103 
101 
104 
106 
104 
98 
101 
102 
103 
104 
105 
106 
107 
108 
109 
110 
102 
101 
102 
104 
105 
100 
102 
103 
104 
102 
103 
97 
100 
104 
99 
97 
99 
107 
108 
109 
100 
101 



Market Value. 

$5,350 00 

200 00 

5,720 00 
4,725 00 
5,100 00 

2,100 00 

5,300 00 
10,815 00 
10,100 00 
15,750 00 
5,150 00 
35,000 00 
5,000 00 
2,160 00 
2,180 00 
1,100 00 
10,300 00 
3,060 00 
5,000 00 
10,300 00 
3,030 00 
4,080 00 
2,060 00 
6,565 00 
9,256 00 
4,770 00 
5,200 00 
9,800 00 
505 00 
1,020 00 
515 00 
1,040 
1,050 
1,060 
1,070 
1,620 
1,090 
1,100 
10,200 00 
10,100 00 
3,060 00 
5,200 00 
5,250 00 
2,000 00 
2,040 00 
1,030 00 
2,080 00 
4,080 00 
6,180 00 
9,700 00 
5,000 00 
5,200 00 
7,920 00 
9,700 00 
9,900 00 
2,140 00 
1,080 00 
2,180 00 
3,000 00 
2,020 00 



00 
00 
00 
00 
00 
00 
00 



CITIZENS INSURANCE CO. 



177 



St. Clair Co., 111., Drain. Dist. 5s, 1921, . 
St. Clair Co., 111., Drain. Dist. 5s, 1923-24, 
Saline Co., 111., School Dist. 5s, 1912, 
Saline Co., 111., School Dist. 5s, 1913-14, 
Saline Co., 111., School Dist. 5s, 1915-17, 
Saline Co., 111., School Dist. 5s, 1918-19, 
Saline County, 111., School Dist. 5s, 1920-21, 
Silvis, 111., 5s, 1912-13, . 
Silvis, 111., 5s, 1914-16, . 
Stronghurst, 111., 5s, 1915, 
Stronghurst, 111., 5s, 1916-17, . 
Stronghurst, 111., 5s, 1918-20, . 
Toulon, 111., 5s, 1921-23, 
Toulon, 111., 5s, 1924-26, 
Toulon, 111., 5s, 1927-30, 
Union Co., 111.," School Dist. 5s, 1913, 
Union Co., 111., School Dist. 5s, 1914-15, 
Union Co., 111., School Dist. 5s, 1916-17, 
Union Co., 111., School Dist. 5s, 1918-19, 
Union Co., 111., School Dist. 5s, 1920-21, 
Union Co., 111., School Dist. 5s, 1922-23, 
Union Co., 111., School Dist. 5s, 1924-25, 
Vermillion Co., 111., School Dist. 4s, 1912, 
Vermillion Co., 111., School Dist. 4s, 1913, 
Vermillion Co., 111., School Dist. 5s, 1919, 
Vermillion Co., 111., School Dist. 5s, 1920-22, 
Westchester Co., N. Y., School Dist. 4s, 1912-15, 
Westchester Co., N. Y., School Dist. 4s, 1916, 
Williamson Co., 111., School Dist. 4|s, 1914-15, 
Williamson Co., 111., School Dist. 4|s, 1916-23, 

Railroad Bonds. 
Lincoln Traction Co. of Neb. 5s, 1939, 
Milwaukee Elec. Ry. & Lt. Co. 4|s, 1931, . 
Wichita Falls & N. W. of Okla. 5s, 1940, . 

Miscellaneous Bonds. 
Butte Electric & Power Co. 5s, 1951, 
Citizens Gas & Elec. Light Co., Iowa, 5s, 1926, 
Commonwealth Power Co., Mich., 5s, 1924, 
Cooper Underwear Co., Wis., 5fs. 1912, 
Craig Mt. Lumber Co. 6s, 1918, 
Jacksonville Gas Co., Fla., 5s, 1937, . 
Kentucky Electric Co. 5s, 1926, 
Milwaukee Western Fuel Co. 5s, 1916, 
Peoples Gas Lt. & Coke Co. 5s, 1947, 
So. California Edison Co. 5s, 1939, . 
Union Elec. Lt. & Power Co., St. Louis, 5s, 1933, 



Book Value. 
$4,220 00 
6,372 50 
f 
I 
5,198 30^ 

I 
2,587 50 1 

r 

5,728 86 <! 
I 

r 

10,728 00^ 



13,080 70 



9,924 50 

5,250 00 

4,965 60 

10,450 00 



4,750 00 
4,825 00 
4,875 00 

5,000 00 
4,862 50 
5,000 00 
2,500 00 
5,500 00 
9,725 00 
9,700 00 
500 00 
5,175 00 
4.875 00 
4,950 00 

$463,650 84 



J 



Rate. 
102 
103 
100 
101 
102 
103 
104 
100 
101 
102 
103 
104 
104 
105 
106 
101 
102 
103 
104 
105 
106 
107 
100 

99 
102 
103 
100 

99 
100 
101 

90 
94 
98 

96 

97 
100 
100 
100 

95 

95 
100 
102 

95 

97 



Market Value. 

$4,0S0 (JO 

6,180 00 

300 00 

606 00 

918 

618 
2,704 
1,000 
1,515 

816 
1,648 00 
3,120 00 
3,120 
3,150 
4,240 
1,010 
2,040 00 
2,060 00 
2,080 00 
2,100 00 
2,120 00 
2,675 00 
5,000 00 
4,950 00 
1,275 
3,862 
4,000 

990 
2,000 00 
8,080 00 



00 
00 
00 
00 
00 
00 



00 
00 
00 
00 



00 
50 
00 
00 



4,500 00 
4,700 00 
4,900 00 

4,800 00 
4,850 00 
5,000 00 
2,500 00 
5,500 00 
9,500 00 
9,500 00 
500 00 
5,100 00 
4,750 00 
4,850 00 



$457,508 50 



CITIZENS' INSURANCE COMPANY OF MISSOURI, ST. LOUIS, MO. 

Incorporated Feb. 2, 1837. Commenced business February, 1837. 

Paid-up Capital, $200,000. 

CHARLES E. CHASE, President. P. O. CROCKER, Secretary. 

Home Office, 1101 Pierce Building. 

Income. 

Net fire premiums, $541,268.83; marine, $57.52, . . . §541,326 35 

Gross interest on mortgages, $4,604,15; stocks and bonds, 
$24,685.41; bank deposits, $1,128.31, ... . . . 30,417 87 



Total income, 
Ledger assets, Dec. 31, 1910, . 



$571,744 22 
885,712 99 



Total, 



$1,457,457 21 



178 



CITIZENS INSURANCE CO. 



Disbursements. 

Net amount paid policy holders for fire losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, 

Agents' balances charged off, . 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), 
Cash in office, ..... 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' L balances, ....... 

Total ledger assets, ....... 

Non-Ledger Assets. 

Interest due and accrued on: — 
Mortgages, $1,171.16; bonds, $8,895.14, 

Gross assets, . . . . . . . ". 

Assets not admitted. 

Agents' balances over three months due, . . . $903 06 

Book value of stocks and bonds over market value, . 14,113 75 

Admitted assets, . . . . . . ... 

Liabilities. 
Unpaid losses, including $10,557.21 resisted, $179,810.16; less 

reinsurance, $129,990.58, 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 

Federal, state and other taxes, due or accrued, .... 



$344,387 58 

5.897 51 
96,193 76 
39,687 60 
18,886 79 

2.898 60 
4,190 96 
7,577 91 

534 98 

42 28 

204 98 

9,245 63 

2,993 58 

1,646 58 

11,631 93 

4,855 07 

5,169 99 

24,000 00 

215 69 

612 65 

$580,874 07 

$876,583 14 



$97,200 00 

570,493 75 

113 72 

31,501 10 
120,640 34 

56,634 23 

$876,583 14 



10,066 30 



,649 44 



15,016 81 
$871,632 63 



$49,819 58 

457,944 88 

1,797 53 

5,175 00 



Total, 



$514,736 99 



CITIZENS INSURANCE CO. 



179 



Cash capital, .... 

Surplus over all liabilities, 
Surplus to policy holders, 

Total liabilities, including surplus, 

•Risks and 

Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, . . . 

Marine risks written during the year, 
Expired and terminated, 



$200,000 00 
156,895 64 



Premiums. 

Risks. 

$233,215,566 00 
170,677,188 00 



$403,892,754 00 
179,954,651 00 

$223,938,103 00 
149,350,509 00 



$356,895 64 
$871,632 63 



Premiums. 

$2,896,729 59 
2,134,269 96 

$5,030,999 55 
2,211,588 08 

$2,819,411 47 
1,943,149 49 



$74 587,594 00 $876,261 98 



$32,174 00 
32,174 00 



$153 37 
153 37 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Eire losses incurred during the year, 
Dividends declared during the year (12 per cent.), 
Par value of company's stock owned by directors,^ . 



$12,131,464 71 

7,018,005 31 

1,063,798 00 

165,000 00 

342,701 07 

24,000 00 

900 00 



Schedule A. Stocks and Bonds owned by the 



Miscellaneous Stocks. 
1 share General Adjust. Bureau, N. Y., 
3 shares Southern Adjust. Bureau, Atlanta, 
5 " Underwriters' Salvage Co., Chicago, 
1 share Western Adjust. & Insp. Co., Chicago, 

State and Municipal Bonds. 
Georgia 3|s, 1918, . . . 

New York, N. Y., 4|s, 1960, op. 1930, 
Richmond, Va., 4s, 1943, 
St. Louis, Mo., 4s,. 1928, 
Virginia 3s, 1991, .... 

Railroad Bonds. 
Atlantic Coast Line (L. & N. col.) 4s, 1952, 
Baltimore & O. (South West Div.) 1st 3§s, 1925 
Brooklyn Union Elevated 1st 5s, 1950, 
Chesapeake & Ohio 1st cons. 5s, 1939, 
Elgin, Joliet & Eastern 1st 5s, 1941, 
International & Gt. Northern 1st 6s, 1919, 
Iowa Central 1st 5s, 1938, 
Louisville, Henderson & St. Louis 1st 5s, 1946, 
Missouri Pacific 1st cons. 6s, 1920, . 
N. Y., N. H. & Hartford conv. deb. 6s, 1948, 
Southern (Memphis Div.) 1st 5s, 1996, 



Book Value. 
$50 00 
150 00 
500 00 
125 00 

9,900 00 

5,100 00 

992 50 

108,581 25 

9,765 00 

24,000 00 
67,875 00 
50,500 00 
47,500 00 
28,500 00 
57,765 00 
28,656 25 
37,187 50 
17,475 00 
39,477 50 
36,393 75 

$570,493 75 



Company. 

Rate. Market Value. 

100 $50 00 

•100 150 00 

100 500 00 

200 200 00 



98 
102 

97 
101 



95 
91 
101 
111 
110 
109 
102 
109 
108 
132 
109 



9,800 00 

5,100 00 

970 00 

106,050 00 

9,240 00 

23,750 00 

68,250 00 

50,500 00 

44,400 00 

27,500 

52,320 

25,500 

38,150 

16,200 

39,600 



00 
00 
00 
00 
00 
00 



38,150 00 
§556,380 00 



180 



CITY OF NEW YORK INSURANCE CO. 



CITY OF NEW YORK INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated April, 1905. Commenced business April 12, 1905. 

Paid-up Capital, $500,000. 

MAJOR A. WHITE, President. J. CARROLL FRENCH, Secretary. 

Home Office, Maiden Lane and William Street. 

Income. 

Net fire premiums, $610,403 73 

Gross interest on mortgages, $11,336.11; stocks and bonds, 

$41,441.35; bank deposits, $1,686.06; all other, $0.22, . . 54,463 74 

Agents' balances previously charged off, ..... 6 68 

Gross profit on sale of stocks and bonds, ..... 15,135 50 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses,* . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, .... 

Agents' balances charged off, .... 

Gross loss on sale of stocks and bonds, 

All other disbursements, .... 

Total disbursements, .... 

Balance, ....... 

Ledger Assets. 
Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 



$680,009 65 
1,512,980 99 

$2,192,990 64 



$310,554 86 

6,684 86 

125,428 70 

24,475 43 

64,053 75 

11,549 62 

7,021 13 

6,440 25 

170 25 

2,828 47 

3,610 62 

4,951 23 

3,845 84 

1,746 05 

12,325 98 

6,266 36 

3,004 38 

50,000 00 

41 94 

954 50 

3,077 47 

$649,031 69 

}1, 543,958 95 

$246,000 00 
1,062,201 63 

5.938 54 

6.939 32 
57 440 51 

165,438 95 

11,543,958 95 



CITY OF NEW YORK INSURANCE CO. 



181 



$4,951 56 
80,601 63 



Non-Ledger Assets. 
Interest accrued on : ■ — 
Mortgages, $1,957.50; bonds, $5,395.83, . 

Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 
Book value of stocks and bonds over market value, 

Admitted assets, ....... 

Liabilities. 

Unpaid losses, including $11,460 resisted, $69,631; less reinsur 

ance, $19,833.82, 

Unearned premiums on outstanding risks, 
Dividends declared and unpaid to stockholders, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Due for reinsurance, ..... 



$7,353 33 

1,551,312 28 

85,553 19 

,465,759 09 



Total, 

Cash capital, ..... 

Surplus over all liabilities, .... 
Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$500,000 00 
318,288 04 



),797 18 

525,091 90 

12,500 00 

1,000 00 

7,500 00 

51,581 97 

$647,471 05 



818,288 04 
$1,465,759 09 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. 

$107,465,106 00 
111,810,978 00 



Premiums. 

$1,053,562 37 
1,081,166 64 



$219,276,084 00 $2,134,729 01 
82,618,520 00 818,732 41 



$136,657,564 00 $1,315,996 60 
36,772,475 00 367,062 71 



Net amount in force. 



$99,885,089 00 $948,933 89 



Miscellaneous.^ 



Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (10 per cent.), 

Par value of company's stock owned by directors, 



$2,676,748 76 

1,166,394 70 

120,000 00 

327,918 19 

50,000 00 

76,400 00 



Schedule A. Stocks and Bonds owned by the Company 

Railroad Stocks. . Book Value. 

300 shares Baltimore & Ohio, . . . . $33,990 



500 
500 
300 
300 
500 
100 



Chesapeake & Ohio, 

Chicago, Milwaukee & St. Paul, 

Delaware & Hudson, 

Erie 1st preferred, . 

Great Northern preferred, 

Great Northern Iron Ore Ctfs 



45,287 
63,362 
52,237 
21,625 
79,190 



38 
50 
50 
50 
00 
00 



Rate. 
103 

74 
109 
168 

52 
127 

43 



Market Value- 
$30,900 00 
37,000 00 
54,500 
50,400 
15,600 00 
63,500 00 
4,300 00 



00 
00 



182 



THE COLONIAL ASSUEANCE CO. 



400 shares Lehigh Valley, 

200 " Louisville & Nashville, 

100 " Manhattan, New York, N. Y., 

200 " Northern Pacific, 

400 " Southern Pacific, . 

300 " Union Pacific, 

Miscellaneous Stocks. 
450 shares Consol. Gas Co., New York, N. Y 
1,000 " Maiden Lane & Wm. St. Co., N. Y 

State and Municipal Bonds. 
New York State Canal Improvement 3s, 1959, 
New York, N. Y., 3|s, 1954, . 
Savannah, Ga., 4|s, 1959, 

Railroad Bonds. 
Chicago, Rock Is. & Pacific 4s, 2002, 
Interborough Metropolitan, Col. 4|s, 1956, 
N. Y., Westchester & Boston 1st 4£s, 1946, 
Southern 4s, 1956 

Miscellaneous Bonds. 
American Tobacco Co. 4s, 1951, 
Mortgage Bond Co. 4s, 1966, . 
Mutual Union Tel. Co. 1st 5s, 1941, 
New York & Westchester Lighting Co. 5s, 1954, 
United States Steel Corporation 5s, 1963, . 
Westinghouse Elec. & Mfg. Co. 5s, 1931, . 



Book Value. 


Rate. 


Market Value. 


$35,925 


00 


185 


$37,000 


00 


29,075 


00 


155 


31,000 


00 


16,662 


50 


136 


13,600 


00 


33,425 


00 


118 


23,600 


00 


51,275 


00 


113 


45,200 


00 


54,650 


00 


174 


52,200 


00 


f., 76,618 


75 


139 


62,550 


00 


f., 100,000 


00 


98 


98,000 


00 


205,260 


00 


101 


202,000 


00 


25,562 


50 


87 


21,750 


00 


10,900 


00 


111 


11,100 


00 


7,162 


50 


■ 72 


7,200 


00 


7,836 


25 


81 


8,100 


00 


9,726 


25 


98 


9,800 


00 


15,230 


00 


79 


15,800 


00 


9,062 


50 


92 


9,200 


00 


22,437 


50 


87 


21,750 


00 


10,400 


00 


103 


10,300 


00 


25,750 


00 


103 


25,750 


00 


10,137 


50 


102 


10,200 


00 


9,412 


50 


93 


9,300 


00 


$1,062,201 


63 


$981,600 


00 



THE COLONIAL ASSURANCE COMPANY OF THE CITY OF NEW 

YORK, NEW YORK, N. Y. 

Incorporated June 15, 1896. Commenced business July 15, 1896. 

Paid-up Capital, $200,000. 

LEO H. WISE, President. E. S. POWELL, Jr., Secretary. 

Home Office, 123 William Street. 

Income. 

Net fire premiums, $109,840 36 

Gross interest on bonds, $11,028.92; bank deposits, $1,097.96, 12,126 88 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, . . . . 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 
Salaries, fees, etc., of officers and employees, 
Legal expenses, ..... 
Underwriters' boards and tariff associations, 
Fire department, patrol and salvage corps fees and taxes, 
Inspections and surveys, 
State taxes on premiums, 
Insurance department licenses and fees, 
Dividends to stockholders, 
All other disbursements, 

Total disbursements, 

Balance, 



$121,967 24 
347,863 10 

$469,830 34 



$48,430 03 

844 48 

37,122 73 

2,505 00 

22 50 

1,135 34 

402 72 

22 71 

1,168 22 

352 24 

8,000 00 

779 96 

$100,785 93 



,044 41 



THE COLONIAL ASSURANCE CO. 



183 



Ledger Assets. 
Book value of bonds (schedule A), . 
Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on bonds, ...... 

Market value of bonds over book value, .... 

Gross assets, ........ 

Assets not admitted. 
Agents' balances over three months due, .... 

Admitted assets, ....... 

Liabilities. 
Unpaid losses, including $2,735 resisted, $11,915; less reinsur- 
ance, $2,550, ........ 

Unearned premiums on outstanding risks, 

Federal, state and other taxes, due or accrued, . 

Due for return premiums, $3,513.95; reinsurance, $1,407.32, 

Total, 

Cash capital, $200,000 00 

Surplus over all liabilities, . . 102,651 17 

Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31/1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



$10,746,753 00 
19,762,271 00 

$30,509,024 00 
15,760,285 00 

$14,748,739 00 
1,022,317 00 



$328,250 00 

2,830 65 

19,142 34 

18,821 42 

$369,044 41 



2,166 66 
2,050 00 

$373,261 07 



71 84 
$373,189 23 



$9,365 00 

54,501 79 

1,750 00 

4,921 27 

$70,538 06 



302,651 17 
$373,189 23 

Premiums. 

$76,157 42 
149,197 83 

$225,355 25 
114,281 85 

$111,073 40 
7,989 56 



$13,726,422 00 $103,083 84 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of companj^, 

Fire losses incurred during the year, 

Dividends declared during the year (4 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company. 

Government, State and Municipal Bonds. Book Value. Rate. 

United States (Phil. Is.) 4s, 1934-35, . . $227,250 00 102 

New York 4s, 1961 41,150 00 102 

New York, N. Y., 4s, 1959, . . . . 59,850 00 100 

$328,250 00 



$5,049,402 75 

3,306,540 33 

118,000 00 

51,955 03 

8,000 00 

109,550 00 



Market Value. 

$229,500 00 
40,800 00 
60,000 00 

8330,300 00 



184 



COLUMBIA INSUKANCE CO. 



COLUMBIA INSURANCE COMPANY, JERSEY CITY, N. J. 

Incorporated March 21, 1901. Commenced business March 21, 1901. 

Paid-up Capital, $400,000. 

GEO. F. CRANE, President. C. E. DEAN, Secretary. 

Home Office, 15 Exchange Place. 

Income. 

Net marine premiums, $360,546 71 

Gross interest on bonds, $26,582.72; bank deposits, $779.30; 

all other, $300, 27,662 02 

Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 
Net amount paid policy holders for marine losses, 
Commissions or brokerage, .... 

Agency expenses, ...... 

Expenses of special and general agents, . 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Printing and stationery, .... 

Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Underwriters' boards and tariff associations, 
Inspections and surveys, .... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Agents' balances charged off, .... 

Gross loss on sale of bonds, .... 

Gross decrease in book value of bonds, 
Investment expenses, ..... 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 

Book value of bonds (schedule A), . 

Deposits in trust companies and banks on interest, 

Agents' balances, ...... 

Cash deposit in Ontario, .... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Bonds, $8,617.91; other assets, $62.50, . 







. $388,208 73 




824,675 76 


. $1,212,884 49 


. $162,581 46 






114,799 35 






1,414 47 






2,762 62 






7,973 12 






16 10 






2,114 78 






684 25 






185 20 






713 68 






358 16 






8,760 71 






1,531 49 






277 38 






80 58 






2,889 46 






1,403 47 






281 49 


$308,827 77 


$904,056 72 


. $781,059 84 


26,099 06 


86,897 82 




j 


10,000 00 



$904,056 72 



Gross assets, 



8,680 41 
$912,737 13 



COLUMBIA INSURANCE CO. 



185 



Assets not admitted. 

Agents' balances over three months due, . . $13,488 43 

Book value of bonds over market value, . . 40,464 84 

Special deposits less $26,400.41 liability thereon, 2,899 59 



Admitted assets, 



Liabilities. 
,104.65 resisted, $3,819.11; less rein- 



Unpaid losses, including 

surance, $82.75, .... 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . — 

Total liabilities, including surplus, 

Risks and Premiums. 



$400,000 00 
271,926 54 



Marine risks in force Dec. 31, 1910, 
Marine risks written during the year, 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Net amount in force, 



Risks. 

$59,017,307 00 
106,792,204 00 



$56,852 86 

$855,884 27 

$3,736 36 

170,721 37 

500 00 

9,000 00 

$183,957 73 

671,926 54 

$855,884 27 



Premiums. 

$661,399 76 
983,208 47 



$165,809,511 00 $1,644,608 23 
130,622,299 00 902,700 10 



$35,187,212 00 
17,647,291 00 



$741,908 13 
409,944 90 



$17,539,921 00 $331,963 23 



Miscellaneous. 



Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Marine and inland losses incurred during the year, . 
Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company 

State, County and Municipal Bonds 
Bergen Co., N. J., 4§s, 1935-37, 
Binghamton, N. Y., 3fs, 1937, 
Buffalo, N. Y., 3js, 1917, 
Buffalo, N. Y., 3fs, 1918-19, . 
Buffalo, N. Y., Sfs, 1920-22, . 
Georgia 4 Js, 1915, . 
Jersey City, N. J., 4|s, 1961, . 
New York, N. Y., 3|s, 1940, . 
New York, N. Y., 3£s, 1942, . 
New York, N. Y., 3£s, 1920, .. 
Ontario, Can., debentures 3fs, 1926, 
Toronto, Can., improvement deb. 3§s, 1916, 

Railroad Bonds. 
Central of New Jersey 5s, 1987, 
Chicago, Burl. & Quincy general 4s, 1958, 
Chicago & Northwestern 3|s, 1987, . 
Chic, St. Paul, Minn., & Omaha cons. 3|s, 1930, 



$2,502,569 44 

1,214,847 93 

14,000 00 

158,170 64 

700 00 



Book Value. 

$36,343 90 

53,191 00 

61,645 73^ 



J 



10,310 00 

103,162 01 

8,501 62 

111,461 58 

64,612 52 

10,000 00 

9,608 00 

1,247 44 
29,887 50 
13,790 00 
29,120 00 



Rate. 

106 

91 

98 

97 

96 

102 

103 

90 

89 

96 

96 

97 

122 

97 
87 
92 



Market Value. 

$37,100 00 

45,500 00 

9,800 00 

19,400 00 

28,800 00 

10,200 00 

103,000 00 

7,200 00 

93,005 00 

60,000 00 

9,600 00 

9,700 00 

1,220 00 
29,100 00 
12,180 00 
29,440 00 



186 



COMMERCE INSURANCE CO. 



Lake Shore & Michigan Southern 4s, 1931, 

Lehigh Valley 4|s, 1940, 

Michigan Central & Detroit deb. 4s, 1929, 

National of Mexico 4£s, 1926, . 

New York Cent. & Hudson Riv. 3-£-s, 1997, 

New York, New Haven & Hartford 4s, 1956, 

Northern Pacific 4s, 1997, 

Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 

Oregon Short Line ref. 4s, 1929, 

Oregon Wash. R.R. & Nav. Co. 1st ref. 4s, 1961 

St. Louis, Iron Mt. & Southern 1st 4s, 1933, 

Miscellaneous Bonds. 
American Dock & Imp. Co. 1st 5s, 1921, . 
American Tel. & Tel. Co. 4s, 1929, . 



Book Value. 


Rate. 


Market Value. 


$18,631 25 


93 


$18,600 00 


10,690 02 


105 


10,500 00 


9,100 00 


91 


9,100 00 


12,000 00 


100 


12,000 00 


9,600 00 


88 


8,800 00 


28,612 50 


93 


27,900 00 


25,497 65 


100 


25,000 00 


32,443 75 


97 


33,950 00 


23,907 62 


94 


23,500 00 


18,500 00 


93 


18,600 00 


18,475 00 


83 


16,600 00 


21,695 75 


109 


21,800 00 


9,025 00 


90 


9,000 00 


$781,059 84 


$740,595 00 



COMMERCE INSURANCE COMPANY, ALBANY, N. Y. 

Incorporated June 1, 1859. Commenced business June 1, 1859. 

Paid-up Capital, $200,000. 

E. DARWIN JENISON, President. ADDISON J. HINMAN, Secretary. 

Home Office, 57 State Street. 

Income. 

Net fire premiums, ........ 

Gross interest on mortgages, $1,774.17; stocks and bonds, 

$21,918.92; bank deposits, $173.82; gross rents, including 

$2,000 for company's own occupancy, $10,492.66, . 
Agents' balances previously charged off, ..... 

Sale of rights, ......... 

Borrowed money, ......... 

Total income, . . . 

Ledger assets, Dec. 31, 1910, . . . . 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Maps, including corrections, ... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Dividends to stockholders, 



$246,283 90 


34,359 57 


10 54 


492 19 


10,000 00 


$291,146 20 


711,271 54 


$1,002,417 74 


$143,778 46 


2,353 15 


57,306 83 


5,247 56 


16,037 65 


2,000 00 


5,147 11 


2,189 84 


610 06 


973 38 


2,133 75 


2,132 17 


540 50 


4,778 46. 


2,202 12 


5,497 22 


1,907 64 


304 62 


20,000 00 



COMMERCE INSURANCE CO. 



187 



Borrowed money repaid, 
Interest on borrowed money, 

Total disbursements, 

Balance, 



Ledger Assets. 



Book value of real estate, .... 

Mortgage loans on real estate, 

Book value of stocks and bonds (schedule A), . 

Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $382.50; bonds, $4,047.60; other assets, $335.45, 
Rents due and accrued on company's property, 
Market value of real estate over book value, . . 



Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . 

Book value of stocks and bonds over market value, 



$536 57 
2,428 25 



Admitted assets, .... 

Liabilities. 1 

Unpaid losses, including $2,153.45 resisted, $29,535.07; less rein 

surance, $2,446.01, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 
Due for reinsurance, ...... 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . •-. . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$200,000 00 
263,153 06 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, . . 

Expired and terminated, . . 

In force at end of year, .... 
Deduct amount reinsured, 



Risks. 

$45,041,601 00 
32,590,693 00 



$77,632,294 00 
28,918,650 00 



$10,000 00 
116 m 

$285,257 18 

$717,160 56 



$75,000 00 
39,300 00 

538,642 00 

461 60 

24,719 93 

39,037 03 

$717,160 56 



4,765 55 

712 50 

5,000 00 

$727,638 61 



2,964 82 
$724,673 79 



$27,089 06 

226,019 51 

2,200 00 

4,100 00 

358 17 

1,753 99 

$261,520 73 



463,153 06 
$724,673 79 



Premiums. 

$471,661 75 

335,090 91 

575 83 

$807,328 49 
318,786 04 



$48,713,644 00 
5,108,129 00 



$488,542 45 
53,952 04 



Net amount in force, 



$43,605,515 00 $434,590 41 



188 



COMMEKCE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



58,337,175 00 

4,920,777 00 

1,116,000 00 

147,824 00 

20,000 00 

58,775 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares Delaware & Hudson, 
100 " New York Central & Hud. R., 
450 " Pennsylvania, 
100 Rome, Watertown & Ogdensburg, 

100 " Southern Pacific, 

Bank Stocks. 
100 shares First National, Albany, . 
50 " National Cohoes, 
50 National Commercial, Albany, 

Miscellaneous Stocks. 

4 shares General Adjust. Bureau, New York, 
160 " Kings Co. Elec. Lt. & Power Co., 

50 " Municipal Gas Co., Albany, N. Y., 

5 " Underwriters Salvage Co., New York 
5 " Underwriters Salvage Co., Chicago, 

1 share Western Adjust. & Insp. Co., Chic, 
266 shares Western Union Telegraph Co., 

State, County and Municipal Bonds. 
Albany, N. Y., 3§s, 1912, 
Albany, N. Y., 3fs, 1913-14, 
Albany, N. Y., 3|s, 1915-17, 
Albany, N. Y., 3^s, 1918-19, 
Albany, N. Y., 3fs, 1920-22, 
Albany, N. Y., 3§s, 1923-24, 
Albany, N. Y., 4s, 1912-29, 
Albany Countv, N. Y., 3is, 1912, 
Albany County, N. Y., 3|s, 1919, 
Albany County, N. Y., 3|s, 1920-22, 
Albany County, N. Y., 4s, 1913-25, 
New York Canal 4s, 1960, 
New York, N. Y., 3|s, 1928, 
New York, N. Y., 3|s, 1915, 
New York, N. Y., 3§s, 1918, 
New York, N. Y., 3|s, 1936, 
New York, N. Y., 3§s, 1930, 
New York, N. Y., 4s, 1955-56, 
New York, N. Y., 3fs, 1950, 

Railroad Bonds. 
Buffalo & Susquehanna 4^s, 1953, 
Central Pacific 4s, 1954, . 
Interborough Rapid Transit 5s, 1952, 
New York, Ontario & Western 4s, 1955, 
Schenectady Consolidated 4§s, 1953, 
Schenectady Consolidated 4 is, 1941, 
United Trac. Cons. 4£s, 2004", . 
United Traction deb. 4§s, 1919, 
Watervliet Turnpike 1st 6s, 1919, . 

Miscellaneous Bonds. 
Albany, N. Y., Board of Underwriters 6s, 1914, 
Kings Co. Elec. Lt. & Power Co. 6s, 1922, 



Book Value. 
$19,100 00 
11,000 00 
29,900 00 
10,000 00 
12,500 00 

10,000 00 

5,000 00 

18,925 00 

400 00 

19,020 00 

10,000 00 

500 00 

500 00 

100 00 

23,400 00 



37,725 00 



43,172 
9,000 

7,000 
51,000 
50,000 
14,250 
10,000 
10,000 
10,000 
20,000 

8,975 



00 

f 
00 i 

{ 

00 
00 
00 
00 
00 
00 
00 
00 
00 



9,150 00 

9,800 00 
10,300 00 

8,550 00 
10,000 

6,150 
10,150 
14,975 



00 
00 
00 
00 



10,700 00 

1,000 00 
6,400 00 

$538,642 00 



Rate. 
168 
109 
123 
119 
113 

163 
214 
377 

100 
126 
288 
125 
100 
200 
79 

100 

99 

98 

97 

96 

95 

100 

100 

97 

96 

100 

102 

93 

98 

96 

90 

92 

99 



26 
93 

103 
92 

105 

102 
98 
97 

107 

100 
118 



Market Value. 
$16,800 00 
10,900 00 
27,675 00 
11,900 00 
11,300 00 

16,300 00 
10,700 00 
18,850 00 

400 00 

20,160 00 

14,400 00 

625 00 

500 00 

200 00 

21,014 00 

500 00 

31,902 75 

1,470 00 

970 00 

1,440 00 

950 00 

43,000 00 

1,000 00 

970 00 

6,720 00 

7,000 00 

51,000 00 

46,500 00 

13,965 00 

9,600 00 

9,000 00 

9,200 00 

19,800 00 

8,800 00 

2,600 00 
9,300 00 

10,300 00 
8,280 00 

10,500 00 
6,120 00 
9,800 00 

14,550 00 

10,700 00 

1,000 00 
7,552 00 

$536,213 75 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



189 



THE COMMERCIAL UNION FIRE INSURANCE COMPANY OF NEW 

YORK, NEW YORK, N. Y. 

Incorporated Oct. 30, 1890. Commenced business April 1, 1891. 

Paid-up Capital, $200,000. 

A. H. WRAY, President. C. J. HOLMAN, Vice-President and Secretary. 

Home Office, 58 William Street. 

Income. 

Net fire premiums, $365,726 56 

Gross interest on stocks and bonds, $29,650.77; bank deposits, 

$463.69, 30,114 46 

Gross profit on sale of bonds, ....... 736 75 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, ..... 

Expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . . 

State taxes on premiums, . . 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Gross decrease in book value of stocks and bonds, 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. - 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 



Total ledger assets, 

Interest accrued on bonds, 
Gross assets, . 



Non-Ledger Assets. 



$396,577 77 
893,786 98 

$1,290,364 75 



$188 713 96 

2,915 28 

79,701 63 

5,202 88 

5,574 04 

2,497 48 

1,422 70 

549 94 

3,467 23 

4,122 95 

1,591 38 

5,644 06 

2,397 81 

2,712 97 

20,000 00 

29,775 60 

293 42 

$356,583 33 



,781 42 



$776,855 72 

16 07 

31,607 59 

125,302 04 

8933,781 42 



6,325 00 
$940,106 42 



190 



THE COMMERCIAL UNION FIRE INSURANCE CO. 



Assets not admitted. 
Agents' balances over three months due, . . . $5,701 23 
Book value of stocks and bonds over market value, . 9,645 72 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $2,850 resisted, $41,337; less reinsur- 
ance, $10,313, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 
Due for return premiums, $333.19; reinsurance, $17,428.45, 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$200,000 00 
310,258 66 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$67,758,204 00 
61,939,777 00 



$15,346 95 

$924,759 47 



$31,024 00 

342,366 27 

7,510 90 

6,400 00 

9,438 00 

17,761 64 

$414,500 81 



510,258 66 

$924,759 47 



Premiums. 

$761,009 47 
625,938 64 



$129,697,981 00 $1,386,948 11 
49,014,938 00 550,932 47 



,683,043 00 
16,035,029 00 



$836,015 64 
192,677 01 



$64,648,014 00 $643,338 63 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (10 per cent.), 

Par value of company's stock owned by directors, 



53,474,672 64 

1,749,477 81 

201,225 00 

181,767 87 

20,000 00 

7,500 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
250 shares Allegheny & Western, 
150 " Chicago, Milwaukee & St 
200 " Manhattan, . 
127 " Second Avenue, 
100 " Southern, preferred, 

State and Municipal Bonds. 
New York 3s, 1956-58, . 
New York, N. Y., 3|s, 1914, . 
New York, N. Y., 3|s, 1915, . 
New York, N. Y., 3|s, 1942, . 
New York, N. Y., 3§s, 1952-54, 
New York, N. Y., 4s, 1956, 
Norfolk, Va., 4£s, 1940, . 



P., pref., 



Book Value. 

$37,375 00 

18,183 93 

27,087 50 

1,270 00 

7,200 00 

25,672 60 
18,643 75 
13,211 00 
22,093 75 
157,343 75 
186,126 50 
25,000 00 



Rate. 

141 

145 

136 

10 

72 

101 
99 
98 
89 
88 
99 

101 



Market Value. 

$35,250 00 

21,750 

27,200 

1,270 

7,200 



00 
00 
00 
00 



25,250 00 

18,810 00 

12,740 00 

22,250 00 

154,000 00 

183,150 00 

25,250 00 



THE COMMONWEALTH INSURANCE CO. 



191 



Railroad Bonds. 
Atchison, Topeka & Santa Fe gen. 4s, 1995, 
Bait. & Ohio (S. W. div.) 3£s, 1925, . 
Chic, Lake Shore & Eastern 1st 4|s, 1969, 
Interborough Rapid Transit 5s, 1952, 
Minn., St. P. & St. Ste. Marie 4s, 1938, . 
Missouri Pacific 1st coll. 5s, 1920, 
St. Louis Southwestern 1st 4s, 1989, 
Santa Fe Prescott & Phoenix 1st 5s, 1942, 
Southern 1st cons. 5s, 1994, 
Union Pacific conv. 4s, 1927, . 

Miscellaneous Bonds. 
Michigan and Lake Superior Power Co. 5s, 1949 
"Western Union Tel. Co. 4£s, 1950, . 



Book Value. 


Rate. 


Market Value. 


$10,000 00 


99 


$9,900 00 


18,288 61 


91 


18,200 00 


21,278 00 


104 


20,800 00 


25,773 30 


103 


25,750 00 


19,900 00 


97 


19,400 00 


20,491 00 


100 


20,000 00 


38,497 78 


92 


36,800 00 


27,360 50 


109 


27,250 00 


8,195 00 


108 


8,640 00 


20,470 00 


103 


20,600 00 


), 1,500 00 


15 


1,500 00 


25,893 75 


97 


24,250 00 


$776,855 72 


$767,210 00 



THE COMMONWEALTH INSURANCE COMPANY OF NEW YORK, 

NEW YORK, N. Y. 

Incorporated Aug. 23, 1886. Commenced business Sept. 15, 1886. 

Paid-up Capital, $500,000. 

E. G. RICHARDS, President. CHARLES E. CASE, Secretary. 

Home Office, 76 William Street. 

Income. 

Net fire premiums, $1,204,642 07 

Gross interest on mortgages, $16,154.36; stocks and bonds, 

$85,746.49; bank deposits, $878.15; all other, $85.97, . . 102,864 97 

Gross profit on sale or maturity of stocks and bonds, . . 7,088 00 

Sale of rights, 3,171 88 

Sale of maps, ....... 

Total income, ...... 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement- of losses, 
Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, . . . . . . . . " ■ 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Dividends to stockholders, 





2,229 96 


. $1,319,996 88 




. 2,227,149 30 


. $3,547,146 18 


. $486,370 86 




7,789 48 




286,577 64 




4,433 59 




42,573 47 




39,601 00 




10,516 00 




11,741 89 




7,721 51 




395 41 




1,413 60 




5,791 95 




6,038 04 




4,257 48 




11,840 99 




5,049 15 




4.675 82 




50.000 00 



192 



THE COMMONWEALTH INSURANCE CO. 



Agents' balances charged off, .... 
Gross decrease in book value of stocks, 

Total disbursements, .... 

Balance, ...... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of stocks and bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, . . . . . . 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on: - — 
Mortgages, $3,420.80; bonds, $11,186.61, 
Market value of stocks and bonds over book value, 

Gross assets, . . 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, ..... 



$111 06 
3,171 88 



$990,070 82 

$2,557,075 36 



$347,500 00 

2,006,452 96 

200 00 

56,963 83 

145,958 57 

£2,557,075 36 



14,607 41 
20,550 54 

$2,592,233 31 . 



3,847 70 
5,588,385 61 



Liabilities. 
Unpaid losses, including $5,458.26 resisted, $129,528.51; less rein- 
surance, $14,927.75, 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 

Federal, state and other taxes, due or accrued, .... 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$500,000 00 
1,007,353 11 



$114,600 76 

940,431 74 

1,000 00 

25,000 00 

1,081,032 50 



Total liabilities, including surplus, 

Risks and Premiums. 



1,507,353 11 

$2,588,385 61 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, 

Expired and terminated, 

In force at end of year, . . . 

Deduct amount reinsured, 

Net amount in force, 



$143,111,637 00 
196,248,961 00 



$339,360,598 00 
117,672,278 00 

$221,688,320 00 
30,249,849 00 



Premiums. 

$1,235,790 53 

1,644,601 65 

612,103 85 

$3,492,496 03 
1,415,747 52 

$2,076,748 51 
247,952 40 



$191,438,471 00 $1,828,796 11 



THE COMMONWEALTH LNSUEANCE CO. 



193 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds owned by the Company 



58,231,179 01 

3,774,043 60 

771,000 00 

553,123 72 

50,000 00 

10,000 00 



Railroad Stocks. 

800 shares Atch., Topeka & Santa Fe, pref., 

200 " Allegheny & Western, . 

500 " Baltimore & Ohio, preferred, 

1,000 " Brooklyn City, 

500 " Chicago, Mil. & St. Paul, pref., 

500 " Chic. & Northwestern, com., 

300 " Chicago & Northwest., preferred, 

100 " Chic, St. P., Minn. & Omaha, pref 

100 " Cleveland, Cin., Chic. & St. L., pref 

200 " Great Northern, preferred, 

200 " Illinois Central, . 

50 " Kansas City, St. L. & Chic, pref., 

500 " M., St. P. & S. S. M., lsd. lines, pref 

200 " Missouri, Kans. & Texas, pref., 

400 " New York Cent. & Hud. River, 

300 " New York, New Haven & Hartford 

1,600 " Reading Co., 1st pref., . 

100 " Rome, Watertown & Ogdensburg, 

1,000 " Union Pacific, preferred, 

Bank Stocks. 

13 shares Bank of America, New York, . 

105 " Corn Exchange, New York, . 

17 " Manhattan Trust Co., N. Y., 

25 " New York Trust Co., N. Y., . 

Miscellaneous Stocks. 
200 shares Am. Telegraph & Cable Co., . 
500 " Am. Telephone & Tel. Co., . 
500 " Consol. Gas Co., New York, . 
120 " Pullman Company, 
1 share Western Adjust. & Inspec Co., 
Government Bonds. 
United States 3s, 1918, op. 1908, 
United States 3s, 1961, .... 

Municipal Bonds. 
New York, N. Y., 3is, 1920, . 
New York, N. Y., 3Js, 1916, . 
New York, N. Y., 3£s, 1954, . 

Railroad Bonds. 
Baltimore & Ohio (So. West Div.) 1st 3£s, 1925 
Cent. Pac 1st ref. 4s, 1949, 
Chic, Burl. & Quincy (111. Div.) 4s, 1949, 
Chicago, Mil. & St. P. deb. 4s, 1934, 
Delaware & Hud. 1st ref. 4s, 1943, . 
Lake Shore & Mich. South, deb. 4s, 1931, 
Lehigh Valley general 4s, 2003, 
Manhattan Cons. 4s, 1990. 
Missouri, Kansas & Texas 1st 4s, 1990, 
N. Y. C. & H. R. (Lake Shore Col.) 3Js, 1998, 
New York, Chic. & St. Louis deb. 4s, 1931, 
N. Y., N. H. & Hartford conv. deb. 6s, 1948, 
Norfolk & Western 1st 4s, 1944, 
Northern Pacific general 3s, 2047, 
Pennsylvania general equip. 4s, 1917, 
Pennsylvania Co. 3|s, 1916, 
Pennsylvania Co. 4s, 1931, 
Pennsylvania conv. 3|s, 1915, . 
Penn. & N. Y., Canal & R.R. cons. 5s, 1939 



Book Value. 
$75,960 00 
29,025 00 
45,637 50 
18,725 00 
62,362 25 

53.824 37 
40,412 50 
10,162 50 
10,450 00 
24,968 75 
28,331 25 

6,818 75 
46,058 33 

12.825 00 
48,220 00 
52,841 25 
68,787 50 
11,087 50 
89,437 50 

3,401 25 
28,000 00 

1,672 32 
17,750 00 

18,025 00 

65,340 62 

94,617 75 

8,237 00 

200 00 

2,000 00 
35,846 25 

40,000 00 

30,000 00 

170,000 00 

9,075 00 
23,890 62 
24,777 62 
46,625 00 
49,875 00 
23,281 25 
19,325 00 
49,612 50 
24,251 25 
24,993 75 

9,062 50 
29,972 75 
18,650 00 
35,501 25 
24,260 58 
15,580 00 
20,400 00 

9,700 00 
11,387 50 



Rate. 
104 
141 

90 
168 
145 
145 
197 
155 

98 
127 
140 
125 

88 

65 
109 
137 

90 
119 

93 

624 
312 
389 
593 

80 
140 
139 
159 
200 

102 
102 

96 
97 



91 
96 

100 
93 
99 
93 
98 
97 
97 
81 
90 

132 
94 
69 
98 
98 
98 
97 

114 



Market Value. 
$83,200 00 
28,200 00 
45,000 00 
16,800 00 
72,500 00 
72,500 00 
59,100 00 
15,500 00 
9,800 00 
25,400 00 
28,000 00 
6,250 00 
44,000 00 
13,000 00 
43,600 00 
41,100 00 
72,000 00 
11,900 00 
93,000 00 

8,112 00 

32,760 00 

3,306 50 

14,825 00 

16,000 00 
70,000 00 
69,500 00 
19,080 00 
200 00 

2,040 00 
35,700 00 

38,400 00 

29,100 00 

149,600 00 

9,100 00 
24,000 00 
25,000 00 
46,500 00 
49,500 00 
23,250 00 
19,600 00 
48,500 00 
24,250 00 
24,300 00 

9,000 00 
33,000 00 
18,800 00 
34,500 00 
24,500 00 
15,680 00 
29,400 00 

9,700 00 
11,400 00 



194 



THE CONCORDIA FIBE INSURANCE CO. 



Reading Co. (Jersey Cent, coll.) 4s, 1951, 

Rome, Water. & Ogdensburg 1st 4s, 1922, . 

Southern Pacific conv. 4s, 1929, 

St. Paul, Minn. & Manitoba 4|s, 1933, 

Union Pacific 1st ref. 4s, 2008, 

Union Pacific conv. 4s, 1927, . 

Vandalia Consolidated (Series B) 4s, 1957, 

Wash. Terminal Co., 1st 3|s, 1945, . 

Miscellaneous Bonds. 
New York Telephone Co. 1st 4|s, 1939, . 
N. Y. & Westchester Lighting Co., deb. 5s, 1954, 



Book Value. 


Rate. 


Market Value. 


$24,156 25 


98 


$24,500 00 


24,531 25 


99 


24,750 00 


59,462 50 


97 


58,200 00 


26,312 50 


106 


26,500 00 


24,625 00 


97 


24,250 00 


10,487 50 


103 


10,300 00 


24,250 00 


96 


24,000 00 


8,850 00 


88 


8,800 00 


48,406 25 


101 


50,500 00 


t, 25,125 00 


103 


25,750 00 


$2,006,452 96 


$2,027,003 50 



THE CONCORDIA FIRE INSURANCE COMPANY OF MILWAUKEE, 

MILWAUKEE, WIS. 

Incorporated March 7, 1870. Commenced business March 22, 1870. 

Paid-up Capital, $300,000. 

GUSTAV WOLLAEGER, Jr., President. FRANK DAMKOEHLER, Secretary. 

Home Office, West Water and Wells Streets. 

Income. 

Net fire premiums, "^ «o' 

Gross interest on mortgages, $36,588.28; bonds, $24,978.28; 
bank deposits, $353.38; all other, $3.50, .... 

Agents' balances previously charged off, 

Gross increase in book value of bonds, 

Borrowed money, . . . . . . 



$1,087,224 38 

61,923 44 
430 72 
637 50 

15,000 00 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, .. 



$1,165,216 04 
1,560,982 95 

$2,726,198 99 



Disbursements. 



Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, .... 

Agency expenses, ...-•• 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, . 

Rents, ...••••■ 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....-• 

Furniture and fixtures, 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Dividends to stockholders, 

Agents' balances charged off, . 

Gross decrease in book value of bonds, 

Borrowed money repaid, 



taxes, 



$550,179 

10,829 

290,029 

1,292 

36,112 

37,753 

4,420 

10,866 

9,521 

3,118 

1,559 

3,644 

9,629 

11,901 

25,518 

5,938 

2,367 

30,000 

13,562 

2,447 

15,000 



69 

43 

76 

90 

85 

27 

00 

64 

00 

71 

02 

21 

21 

21 

17 

13 

70 

00 

09 

45 

00 



' 



THE CONCORDIA FIRE INSURANCE CO. 



195 



Interest on borrowed money, . . . . . . . $129 17 

All other disbursements, ....... 5,065 25 

Total disbursements, .... 

Balance, . . .... 

Ledger Assets. 
Mortgage loans on real estate, 
Book value of bonds (schedule A), . 
Cash in office, ...... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Deposit with Western Sprinkled Risk Association, 
Deposit with Milwaukee Board of Fire Underwriters 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest due and accrued on: — 
Mortgages, $6,208.76; bonds, $11,033.20, 
Due from other companies, .... 

Gross assets, ...... 

Assets not admitted. 

Agents' balances over three months due, . . . $3,123 89 

Book value of bonds over market value, . . . 8,646 35 

Due from unauthorized companies, . . . . 471 95 

Deposit with Western Sprinkled Risk Association, . 500 00 

Deposit with Milwaukee Board of Fire Underwriters, 100 00 12,842 19 

Admitted assets, $1,666,323 14 

Liabilities. 
Unpaid losses, including $7,008.49 resisted, $85,590.25; less rein- 
surance, $19,192.97, .... 
Unearned premiums on outstanding risks, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, 

Total, . 

Cash capital, $300,000 00 

Surplus over all liabilities, .... 198,104 47 

Surplus to policy holders, 



$1,080,885 86 
$1,645,313 13 



$707,225 00 

643,381 56 

18,079 93 

36,302 26 

32,378 88 

207,345 50 

500 00 

100 00 

1,645,313 13 



17,241 96 
16,610 24 

$1,679,165 33 



$66,397 28 

1,059,849 25 

25,000 00 

16,972 14 

$1,168,218 67 



Total liabilities, including surplus, 

Risks and Premiums. 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

$196,159,487 00 
136,477,725 00 

$332,637,212 00 
116,412,227 00 

$216,224,985 00 
33,836,835 00 



498,104 47 
$1,666,323 14 

Premiums. 

$2,219,296 26 
1,652,903 90 

$3,872,200 16 
1,414,053 74 

$2,458,146 42 
444,199 56 



. $182,388,150 00 $2,013,946 86 



196 



THE CONCORDIA FIRE INSURANCE CO. 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (10 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Bonds owned by the Company 

County and Municipal Bonds. Book Value. Rate. 

Davidson County, Tenn., 4|s, 1937, op. 1919, . $10,300 00 101 

Fond du Lac, Wis., 4£s, 1917, op. 1907, . . 30,000 00 100 

Kewanee, 111., 5s, 1915-17 7,140 00 102 

Kewanee, 111., 5s, 1918-19, .... 2,060 00 103 

Kewanee, 111., 5s, 1920-23 4,160 00 104 

Lawrence Countv, 111., 6s, 1912, . . . 2,500 00 100 

Mauston, Wis., Juneau Co. 5s, 1914-17, . . 12,522 06 100 

McG. Cr. L. & Dr., B. & P. Cos., 111., 6s, 1915, . 2,575 00 102 

McG. Cr. L. & Dr., B. & P. Cos., 111., 6s, 1916, . 7,800 00 103 

McG.Cr. L. &Dr.,B.&P. Cos., 111., 6s, 1921-22, 5,375 00 106 

M. & M. Falls, S. Dis., Wau. Co., Wis., 5s, 1912, . 800 00 100 

M. & M. Falls, S. Dis., Wau. Co., Wis., 5s, 1913, . 808 00 101 

M. & M. Falls, S. Dis., Wau. Co., Wis., 5s, 1914-15, 1,632 00 102 

M.&M. Falls, S. Dis., Wau. Co., Wis., 5s, 1916, . 1,030 00 103 

M. & M. Falls, S. Dis., Wau. Co., Wis., 5s, 1917-18, 2,080 00 104 

M.&M. Falls, S. Dis., Wau. Co., Wis., 5s, 1919-20, 2,100 00 105 

M.&M. Falls, S. Dis., Wau. Co., Wis., 5s, 1921, . 1,272 00 106 

Milwaukee, Wis., 5s, 1912, . . . . 7,000 00 100 

Milwaukee, Wis., 5s, 1913, .... 7,070 00 101 

Milwaukee, Wis., 5s, 1914, . . . . 7,140 00 102 

Milwaukee, Wis., 5s, 1915, .... 7,210 00 103 

Milwaukee, Wis., 5s, 1916-17, . . . 14,560 00 104 

Milwaukee, Wis., 3s, 1919, .... 1,000 00 94 

Milwaukee County, Wis., School 4£s, 1929-31, . 26,250 00 105 

New York, N. Y., 3|s, 1928, .... 23,500 00 93 

Ogle County, 111., School Dist. 4|s, 1920-26, . 10,250 00 101 

P. & LaM. D. & L. Dist., Peoria Co., 111., 6s, 1916, 2,080 00 103 

P. & LaM. D. & L. Dist., P. Co., 111., 6s, 1917-18, 3,160 00 104 

Port of Portland, Ore., 4s, 1934, . . . 50,000 00 96 

St. Louis Countv, Minn., 4|s, 1918, . . 25,500 00 102 

Seattle, Wash., 4|s, 1930, .... 20,000 00 102 

Starke Co., Ind., Kankakee Drain. Dis. 6s, 1911-16, 15,457 50 75 

Tomah, Wis., 5s, 1917-19, .... 3,080 00 102 

Tomah, Wis., 5s, 1920-23, . . . . 4,160 00 103 

Tomah, Wis., 5s, 1924, 1,050 00 104 

Tomah, Wis., 5s, 1925, 1,050 00 105 

Tomah, Wis., 5s, 1926, 1,050 00 106 

Wausau, Wis., 4s, 1925-28 45,000 00 99 

Wauwatosa&G., Mil. Co., Wis. Jt. Sch. D. 5s, 1912, 1,000 00 100 

Wau. &C, Mil. Co., Wis., Jt. S. D. 5s, 1913-14, . 2,030 00 101 

Wau. &G., Mil. Co., Wis., Jt. S. D. 5s, 1915-17, . 3,090 00 102 

Wau. &G., Mil. Co.,Wis.,Jt. Sch. D. 5s, 1918, . 1,040 00 103 

Railroad Bonds. 

A., T. & S. Fe (Trans. Short Line) 1st 4s, 1958, . 9,400 00 93 

Chic, Mil. & St. Paul gen. 4s, 1989, . . . 44,550 00 99 

Chicago & Northwestern gen. 4s, 1987, . . 24,500 00 98 

Chic, Rock Island & Pacific 1st & ref. 4s, 1934,. 22,500 00 - 89 

Lake Shore & Michigan Southern 4s, 1931, . 18,600 00 93 

Pvletropolitan St., Kan. Citv cons. 5s, 1913, . 24,500 00 95 

Milwaukee Elec Ry. & Lt. Co. 1st cons. 5s, 1926, . 26,000 00 104 

Milwaukee Lt., Heat & Traction 1st 5s, 1929, . 25,500 00 102 

Oregon Short Line ref. 4s, 1929, . . . 19,000 00 94 

Southern Pacific 1st ref. 4s, 1955, . . . 23,750 00 95 

Miscellaneous Bonds. 

Laclede Gas Light Co. ref. 5s, 1934, . . 10,000 00 101 

Milwaukee Gas Light Co, 1st 4s, 1927, . . 18,200 00 90 

$643,381 56 



$16,192,906 79 

8,664,900 82 

497,667 00 

535,268 11 

30,000 00 

143,200 00 



Market Value. 

$10,100 00 

30,000 00 

7,140 00 

2,060 00 

4,160 00 

2,500 00 

12,397 58 

2,550 00 

7,725 00 

5,300 00 

800 00 

808 00 

1,632 00 

1,030 00 

2,080 00 

2,100 00 

1,272 00 

7,000 00 

7,070 00 

7,140 00 

7,210 00 

14,560 00 

940 00 

26,250 00 

23,250 00 

10,100 00 

2,060 00 

3,120 00 

48,000 00 

25,500 00 

20,400 00 

11,390 63 

3,060 00 

4,120 00 

1,040 00 

1,050 00 

1,060 00 

44,550 00 

1,000 00 

2,020 00 

3,060 00 

1,030 00 

9,300 00 
44,550 00 
24,500 00 
22,250 00 
18,600 00 
23,750 00 
26,000 00 
25,500 00 
18,800 00 
23,750 00 

10,100 00 
18,000 00 



,735 21 



CONNECTICUT FIRE INSURANCE CO. 



197 



CONNECTICUT FIRE INSURANCE COMPANY, HARTFORD, CONN. 

Incorporated June, 1850. Commenced business July, 1850. 
Paid-up Capital, $1,000,000. 
J. D. BROWNE, President. W. T. HOWE, Secretary. 

Home Office, 51 Prospect Street. 

Income. 

Net fire premiums, $3,728,363 97 

Gross interest on mortgages, $43,730.93; collaterals, $4,259.99; 
stocks and bonds, $232,189.95;* bank deposits, $2,917.70; all 
other, $2,061.22; gross rents, including $10,000 for company's 
own occupancy, $11,168, ..... 

Agents' balances previously charged off, . 

Gross profit on sale or maturity of ledger assets, 

Total income, ...... 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, ... 

Agency expenses, . . 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $10,000 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, . . . . . . 

Furniture and fixtures, ...... 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . . ... 

Repairs and expenses on real estate, 

Taxes on real estate, . . . . . . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Agents' balances charged off, . . . . . " . 

Gross loss on sale or maturity of bonds, . 

Total disbursements, ..... 

Balance, . . 

Ledger Assets. 
Book value of real estate, ..... 
Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 





296,327 79 




52 37 


• 


770 45 




. $4,025,514 58 


• 


. 7,531,126 49 


• 


$11,556,641 07 




. $2,261,753 84 




36,457 08 




787,990 37 




17,326 79 




133,333 13 




199,163 30 




29,202 04 




56,698 41 




20,834 38 




9,464 52 




3,786 24 




9,647 46 




21,650 38 




26,528 82 




25,827 42 




831 91 




1,864 37 




62,513 61 




18,387 06 




42,087 74 




160,000 00 




1,990 85 




2,943 75 




. $3,930,283 47 




. $7,626,357 60 




. $189,200 00 


. 


948,450 00 


. 


59,000 00 



* Includes interest not due until Jan. 1, 1912. 



198 



CONNECTICUT FIRE INSURANCE CO. 



Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, . 
Bills receivable, ....... 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest Accrued on* — 
Mortgages, $10,638.93; bonds, $30,080.61; collateral loans, 
$464.30, 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, . . . $7,713 37 
Bills receivable, past due, taken for premiums, . . 15,915 41 

Book value of stocks and bonds over market value, 147,421 43 
Special deposits less $86,107.80 liability thereon, . 36,892 20 

Admitted assets, . . . < . . 

Liabilities. 

Unpaid losses, including $44,384.37 resisted, $365,399.90; less 

reinsurance, $66,380.35, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 



$5,649,100 43 

213 86 

16,403 94 

355,798 08 

365,913 15 

42,278 14 

$7,626,357 60 



41,183 84 
$7,667,541 44 



Total, 

Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 



$1,000,000 00 
2,053,534 76 



207,942 41 

$7,459,599 03 

$299,019 55 

4,066,619 72 

425 00 

40,000 00 

$4,406,064 27 

3,053,534 76 

$7,459,599 03 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 

Total, 

Expired and terminated, 

In force at end of year, .... 
Deduct amount reinsured, 



Risks. Premiums. 

$755,591,129 00 $8,518,343 78 

442,098,864 00 4,985,285 78 

3,297 42 



$1,197,689,993 00$13,506,926 98 
. 396,431,642 00 4,684,874 19 



. $801,258,351 00 
. 78,437,950 00 



^,822,052 79 
935,796 59 



Net amount in force, 



$722,820,401 00 $7,886,256 20 



Miscellaneous. 



Net premiums received from reorganization of company, 

Net losses paid from reorganization of company, 

Cash dividends declared from reorganization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (16 per cent.), 

Par value of company's stock owned by directors, 



$65,706,986 98 
37,482,087 31 
3,815,000 00 
2,211,264 90 
160,000 00 
48,200 00 



CONNECTICUT FIRE INSURANCE CO. 



199 



Schedule A. Securities held as Collateral. 



40 shares Pullman Co., .... 
150 " ./Etna Life Ins. Co., Hartford, . 
200 " N. Y., N. H. & Hartford R. R. Co. 

50 " Traveler's Ins. Co., Hartford, . 



Company's 
Market Value. 

$6,320 00 
99,000 00 \ 
27,400 00 / 
45,000 00 



Loaned 
Thereon. 

$4,000 00 
25,000 00 
30,000 00 



$177,720 00 $59,000 00 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. Book Value. Rate. Market Value. 

737 shares N. Y., N. H. & Hartford, . . $113,871 44 137 $100,969 00 

300 " Pittsburg, Ft. Wayne & Chicago, . 28,700 00 167 50,100 00 

100 shares ^Etna National, Hartford, . . 12,500 00 260 26,000 00 

93 " Charter Oak Nat., Hartford, . . 12,026 00 145 13,485 00 

185 " First National, Hartford, . . 26,655 72 163 30,155 00 

300 " Hartford National, .... 45,645 75 156 46,800 00 

100 " Importers' and Traders' Nat., N.Y.,. 16,800 00 590 59,000 00 

412 " National Exchange, Hartford, . . 28,106 00 140 28,840 00 

150 " Phoenix National, Hartford, . . 22,246 50 150 22,500 00 

200 shares Empire and Bay States Tel. Co., . 14,800 00 70 14,000 00 

500 M Northwestern Telegraph Co., . . 23,000 00 114 28,500 00 

GoVCTTVtYtSTlt BoTlds 

Canada Dominion 3|s, 1913, . . . . 112,626 68 99 108,900 00 

State, County and Municipal Bonds. 

Arizona 5s, 1942, op. 1912, .... 52,525 00 100 50,000 00 

Arizona 5s, 1946, op. 1916, . . . . 27,000 00 104 26,000 00 

Astoria, Oregon, 5s, 1925, .... 5,275 00 102 5,100 00 

Baltimore, Md., 3|s, 1980 91,125 00 90 90,000 00 

Boston, Mass., 3§s, 1945 50,750 00 92 46,000 00 

Bridgeport, Conn., 4s, 1939, .... 41,150 00 100 40,000 00 

Buffalo, N. Y., 4s, 1924-30, .... 29,660 65 100 30,000 00 

Chicago, 111., 4s, 1926-29 100,750 00 100 100,000 00 

Cincinnati, Ohio, 3£s, 1965, op. 1945, . . 50,625 00 93 46,500 00 

Cleveland, Ohio, 4s, 1922 52,750 00 101 50,500 00 

Columbus, Ohio, 4s, 1922, op. 1912, . . 35,424 60 100 34,000 00 

Colorado Springs, Col., 4s, 1924, op. 1914, . 25,687 50 98 24,500 00 

Dallas, Texas, 5s, 1920 12,360 00 104 12,480 00 

Dallas, Texas, 4s, 1946 25,000 00 96 24,000 00 

Duluth, Minn., 4fs, 1914, . . . 10,700 00 100 10,000 00 

Duluth, Minn., 4s, 1932, .... 36,225 00 97 33,950 00 

E. Hartford, Conn., Fire Dist. 4s, 1931, op. 1921, 41,800 00 100 40,000 00 

Fairfield County, Conn., 4s, 1939, op. 1929, . 50,500 00 100 50,000 00 

Georgia 4fs, 1915, 26,625 00 102 25,500 00 

Hartford, Conn., 3£s, 1954-55, . . . 98,500 00 92 92,000 00 

Hartford, Conn., School 3§s, 1931, . . . 26,125 00 95 23,750 00 

Helena, Mont., 5s, 1916 21,400 00 100 20,000 00 

Hennepin County, Minn., 4§s, 1925, . . 56,345 00 105 52,500 00 

Idaho 4H 1931, op. 1921 51,625 00 103 51,500 00 

Kansas, Mo., 4s, 1924 53,250 00 100 50,000 00 

Maryland 3Js, 1925, op. 1920, . . . 95,150 00 97 97,000 00 

Massachusetts 3|s, 1935, .... 74,687 50 94 70,500 00 

Massachusetts 3*s, 1945, .... 24,687 50 93 23,250 00 

Nashville, Tenn., 4s, 1927, .... 50,625 00 96 48,000 00 

New Britain, Conn., 3*s, 1932, . . . 25,625 00 93 23,250 00 

New Britain, Conn., 4s, 1936, . 25,250 00 100 25,000 00 

New Haven, Conn., 4s, 1928-33, . . . 61,50i 50 100 60,000 00 

New London, Conn., 3 is, 1926, . . . 47,500 00 95 47,500 00 

New Mexico 4s, 1933, op. 1923, . . . 10,550 00 97 9,700 00 

Newport, R. I., 3§s, 1954, . . . ' . 44,880 00 91 40,040 00 

New York, N. Y., 3*s, 1953, . . . . 51,031 25 88 44,000 00 

New York, N. Y., 4s, 1956 50,359 38 99 49,500 00 

Norwich, Conn., 4s, 1931, .... 25,000 00 99 24,750 00 

Ontario, Canada, 3*s, 1936, .... 14,100 00 94 14,100 00 

Pawtucket, R. I., 4s, 1934, .... 30,525 00 98 29,400 00 

Philadelphia, Penn., 4s, 1938, .... 104,750 00 101 101,000 00 



200 



CONNECTICUT FIRE INSURANCE CO. 



Book Value. Rate. Market Value. 

Portland, Ore., 5s, 1923 $57,625 00 106 $53,000 00 

Providence, R. I., 4s, 1923, .... 51,750 00 101 50,500 00 

Richmond, Va., 4s, 1924, .... 50,000 00 98 49,000 00 

Rockville, Conn., 4s, 1935 27,187 50 99 24,750 00 

St. Louis, Mo., 4s, 1928, .... 51,625 00 101 50,500 00 

Salem, Oregon, 6s, 1914 12,017 50 102 11,220 00 

Salt Lake, Utah, 5s, 1914, . . . . 41,512 50 101 40,400 00 

Salt Lake, Utah, 4|s, 1924, .... 10,700 00 101 10,100 00 

San Diego, Cal., 4|s, 1938, . . . 32,83125 102 30,600 00 

San Francisco City and County, Cal., 5s, 1928, . 12,930 00 107 12,840 00 

San Francisco City and County, Cal., 5s, 1929, 14,040 00 108 14,040 00 

San Francisco City and County, Cal., 5s, 1935-36, 27,398 75 109 27,250 00 

Seattle, Wash., 5s, 1913, .... 25,250 00 101 25,250 00 

Seattle, Wash., School Dist. No. 1 4|s, 1928, . 26,250 00 101 25,250 00 

Spo. Co., Wash.,S. D.No.814H 1927, op. 1917,. 51,250 00 101 50,500 00 

Springfield, Mass., 4s, 1917, .... 49,250 00 101 50,500 00 

Stockton, Cal., School 5s, 1917, op. 1914, . . 33,262 50 102 30,600 00 

Syracuse, N. Y., 3|s, 1920, .... 48,500 00 96 48,000 00 

Tacoma, Wash., 4£s, 1931, .... 77,156 25 102 76,500 00 

Torrington, Conn., 4s, 1929, .... 25,250 00 99 24,750 00 

Trenton, N. J., 4s, 1934, .... 51,000 00 98 49,000 00 

Waterbury, Conn., 4s, 1927, .... 51,375 00 99 49,500 00 

Railroad Bonds. 

Atchison, Topeka & Santa Fe 4s, 1995, . -. 50,312 50 99 49,500 00 

Baltimore & Ohio 3 is, 1925, .... 47,125 00 92 46,000 00 

Boston & Albany 4s, 1933, .... 100,625 00 99 99,000 00 

Boston & Maine 4|s, 1929, .... 105,115 00 102 102,000 00 

Chicago, Burlington & Quincy 3is, 1949, . . 46,100 00 88 44,000 00 

Chicago & Erie 5s, 1982, .... 60,750 00 112 56,000 00 

Chicago, Milwaukee & St. Paul 4s, 1989, . . 54,375 00 99 49,500 00 

Chicago & Northwestern 5s, 1921, . . . 54,750 00 105 52,500 00 

Chicago & Northwestern 5s, 1929, . . . 108,493 75 107 107,000 00 

Chicago & Northwestern 3|s, 1987, / 48,000 00 87 43,500 00 

Chicago Railways, Series A 4s, 1927, ." . 9,167 50 96 8,640 00 

Chicago Railways, Series B 4s, 1927, . . 21,407 50 92 19,320 00 

Chicago, St. Louis & New Orleans 3is, 1951, . 24,500 00 86 21,500 00 

Chicago, St. Paul, Minn. & Omaha 3|s, 1930, . 46,750 00 92 46,000 00 

Cincinnati, Hamilton & Dayton 5s, 1942, . . 51,125 00 103 51,500 00 

Cincinnati, Ind. & Western 4s, 1953, . . 49,375 00 88 44,000 00 

Cleveland, Cin., Chicago & St. Louis 4s, 1991, \ 9,000 00 90 9,000 00 

Cleveland Electric 5s, 1913, .... 51,375 00 100 50,000 00 

Cleveland & Mahoning Valley 5s, 1938, . . 11,000 00 111 11,100 00 

Detroit Railway 5s, 1924, .... 54,862 50 93 46,500 00 

Illinois Central 3|s, 1951, .... 25,000 00 90 22,500 00 

Illinois Central 4s, 1955, .... 24,906 25 96 24,000 00 

Indiana, Illinois & Iowa 4s, 1950, . . . 50,300 00 95 47,500 00 

Iowa Central 5s, 1938, ..... 28,156 25 102 25,500 00 

Lake Shore & Michigan Southern 4s, 1931, . 45,484 73 93 46,500 00 

Lehigh Valley 4£s, 1940, .... 57,676 13 105 57,750 00 

Lehigh Valley Terminal 5s, 1941, . . . 28,500 00 113 28,250 00 

Long Island 4s, 1949, . . . . . 51,000 00 96 48,000 00 

Michigan Central 3|s, 1952, .... 24,281 25 88 22,000 00 

Minneapolis, St. Paul & S. Ste. Marie 4s, 1938, . 48,750 00 97 48,500 00 

Minneapolis & St. Louis 4s, 1949, . . . 71,812 50 70 52,500 00 

New England 4s, 1945, 24,875 00 100 25,000 00 

New London Northern 4s, 1940, . . . 24,812 50 99 24,750 00 

N. Y. C. & Hudson River refunding 3 is, 1997, . 25,937 50 88 22,000 00 

N. Y. C. & Hud. R. (Lake Shore col.) 3|s, 1998,. 47,220 00 81 40,500 00 

N. Y. C. & H. R. (Mich. Cent.) 3As, 1998, . 26,107 50 79 23,700 00 

N. Y., Lackawanna & Western 4s, 1923, . . 104,525 00 98 98,000 00 

N. Y., N. H. & H. (Har. R. & P. C. Div.) 4s, 1954, 54,250 00 99 49,500 00 

N. Y., N. H. & Hartford deb. 3fs, 1947, . . 52,375 00 82 41,000 00 

N. Y., N. H. & Hartford deb. 4s, 1947, . . 31,537 50 93 27,900 00 

N. Y., N. H. & Hartford conv. 3§s, 1956, . . 29,122 50 92 27,600 00 

N. Y., N. H. & Hartford certs, conv. 6s, 1948, . 25,203 38 132 33,000 00 

N. Y., N. H. & Hartford note 5s, 1912, . . 25,500 00 100 25,000 00 

Nor. Pac.-Gt. Nor. (C. B. & Q. coll.) 4s, 1921, . 45,192 71 97 48,500 00 

Pennsylvania gen. equip, trust 4s, 1920, . . 48,125 00 97 48,500 00 

Port Reading 5s, 1941, ..... 15,875 00 110 16,500 00 

Rutland 4|s, 1941, 26,187 50 98 24,500 00 

Rutland Canadian 4s, 1949, .... 25,000 00 86 21,500 00 



CONTINENTAL INSURANCE CO. 



201 



St. Louis & San Francisco 5s, 1947, . 

St. Louis Southern 4s, 1931, 

Southern Pacific 4s, 1955, 

Southern Pacific of California 5s, 1937, 

Toledo & Ohio Central gen. 5s, 1935, 

Toledo & Ohio Central (West. Div.) 5s, 1935, 

Union Pacific 4s, 1947, .... 

Vandalia 4s, 1955, ..... 

Vermont Valley 4|s, 1940, 

Washington Terminal Co. 3|s, 1945, 

Miscellaneous Bonds. 
First Ch. of Christ, Hart., Conn., dem. note 4|s, 
Mortgage Bond Co. of New York 4s, 1966, . 
Northwestern Telegraph Co. 4|s, 1934, 
People's Gas & Coke Co., Chicago, 5s, 1947, 
Western Union Telegraph Co. 5s, 1938, 
Western Union Telegraph Co. 4|s, 1950, . 



Book Value. 


Rate. 


Market Value. 


$24,837 50 


100 


$25,000 00 


26,250 00 


95 


23,750 00 


23,690 63 


95 


23,750 00 


53,500 00 


111 


55,500 00 


10,000 00 


110 


11,000 00 


15,375 00 


109 


16,350 00 


50,125 00 


101 


50,500 00 


50,000 00 


96 


48,000 00 


52,500 00 


104 


52,000 00 


22,750 00 


88 


22,000 00 


7,500 00 


100 


7,500 00 


22,437 50 


87 


21,750 00 


25,562 50 


96 


24,000 00 


26,125 00 


102 


25,500 00 


27,093 75 


101 


25,250 00 


24,892 38 


97 


24,250 00 


$5,649,100 43 


$5,501,679 00 



CONTINENTAL INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated January, 1853. Commenced business January, 1853. 
Paid-up Capital, $2,000,000. 



HENRY EVANS, President. 



C. R. TUTTLE, 
J. A. SWINNERTON, 
F. R. MILLARD, 
ERNEST STURM, 



Secretaries. 



Home Office, 46 Cedar Street. 

Income. 

Net fire premiums, $7,748,941.02; marine, $25,827.67, 
Gross interest on mortgages, $135; stocks and bonds, $934,413.20; 
bank deposits, $73,988.96; all other, $6,069.99; gross rents, 
including $45,183 for company's own occupancy, $125,269.86, 
Agents' balances previously charged off, ..... 
Gross profit on sale or maturity of stocks and bonds, 
Gross increase in book value of stocks and bonds, 
Bills receivable previously charged off, ..... 
Increase in reserve on account of reinsurance treaty, . 

Total income, . . . . - 

Ledger assets, Dec. 31, 1910, . 

Total, 

Disbursements. 

Net amount paid policy holders for fire losses, $3,821,408.23 
marine, $1,262.80, ... . " . 

Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Agency expenses, ....... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, including $45,183 for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express 

Legal expenses, .... 

Furniture and fixtures, . 
Maps, including corrections, . 



$7,774,768 69 



1,139,877 01 

1,911 47 

367,549 00 

332,277 00 

94,993 18 

17,476 20 

. $9,728,852 55 
. 24,032,115 86 

$33,760,968 41 



13,822,671 03 

112,774 60 

1,654,762 80 

3,745 25 

237,831 18 

448,582 35 

71,523 92 

93,258 54 

69,283 00 

1,387 83 

20,233 78 

37,983 83 



202 



CONTINENTAL INSURANCE CO. 



Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Dividends to stockholders, 

Agents' balances charged off, . 

Gross loss on sale or maturity of stocks and bonds, 

Gross decrease in book value of stocks and bonds, 

Scrip redeemed, ...... 

Interest to scripholders, .... 

Bills receivable charged off, .... 

All other disbursements, .... 

Total disbursements, .... 



Balance, ...... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Bills receivable, . . * 

Total ledger assets, ..... 

Non-Ledger Assets. 
Interest accrued on: — 
Bonds, $52,695.41; other assets, $83.96, . 
Market value of stocks and bonds over book value, . 

Gross assets,* ...... 

Assets not admitted. 

Agents' balances over three months due, . . . $2,999 03 
Bills receivable, past due, taken for premiums, . . 97,434 40 

Special deposit, $54,060; liabilities in offset, $54,060. 



$70,684 68 

26,920 51 

8',169 85 

30,231 52 

24,580 46 

142,450 59 

32,308 11 

31,099 88 

1,000,000 00 

507 59 

129,251 00 

147,750 00 

93 00 

4 50 

12,131 09 

27,624 08 

. $8,257,844 97 

$25,503,123 44 



$1,200,000 00 

2,700 00 

18,182,165 00 

2,002 20 

415 26 

4,902,989 32 

1,007,809 96 

205,041 70 

$25,503,123 44 



52,779 37 
. 1,326,910 00 

$26,882,812 81 



100,433 43 



Admitted assets, ....... 

Liabilities. 
Unpaid losses, including $39,775 resisted, $506,335.54; less rein- 
surance, $45,184.46, 

Unearned premiums on outstanding risks, . . . . 

Unpaid scrip, ......... 



$26,782,379 38 



$461,151 08 

8,518,125 20 
26,700 00 



* The company holds also instalment premium notes to the amount of $2,261,880.80, which do not 
enter into or form any part of the assets of- the company, as no portion of them is earned. Whatever 
value is attached to them would necessarily be counterbalanced by the addition of an amount exactly 
equal to the reinsurance liability, the entire sum consisting of "unearned premiums." 

The assets include $600,000 special reserve held under New York law. 



CONTINENTAL INSURANCE CO. 



203 



Interest due or accrued on scrip, .... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 
Due for reinsurance, ...... 

Reserve on account of reinsurance treaty, 

Interest on reinsurance reserve, .... 

Reserve for contingencies, ..... 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$2,000,000 00 
15,210,082 59 



$6,063 90 
22,500 00 

141,500 00 

77,466 94 

43,050 85 

25,379 62 

359 20 

250,000 00 

),572,296 79 



Total liabilities, including surplus, 

Risks and Premiums. 



17,210,082 59 
$26,782,379 38 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Marine risks written during the year, 
Expired and terminated, 

In force at end of year, . ' . 

Deduct amount reinsured, 

Net amount in force, 



Risks. Premiums. 

,511,120,573 00 $15,964,506 26 
953,300,087 00 9,808,271 05 



$2,464,420,660 00 $25,772,777 31 
787,901,640 00 8,336,192 71 

$1,676,519,020 00 $17,436,584 60 
106,795,078 00 1,198,365 30 

$1,569,723,942 00 $16,238,219 30 



$1,485,607 00 
218,750 00 

$1,266,857 00 
519,052 00 



$43,187 03 
6,984 90 

$36,202 13 
15,028 33 



$747,805 00 $21,173 80 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Stock dividends declared from organization of company, 
Fire losses incurred during the year, 
Marine and inland losses incurred during the year, . 
Dividends declared during the year (50 per cent.)-, 
Par value of company's stock owned by directors, 



$150,581,605 18 
79,165,596 76 
11,814,356 56 
1,000,000 00 
3,759,224 91 
1,974 39 
1,000,000 00 
405,200 00 



Schedule A. Stocks and Bonds 

Railroad Stocks. 
200 shares Atlanta & Charlotte Air Line, 



1,000 
2,000 

500 
14,000 

700 
1,000 
1,000 

627 



Atlantic Coast. Line, Conn. 
Atlantic Coast Line, 
Baltimore & Ohio, preferred, 
Brooklyn City, . 
Buffalo, Rochester & Pitts., pref., 
Buffalo, Rochester & Pitts., com., 
Central of New Jersey, 
Chicago City (95 per cent, paid), 



OWNED BY THE 
Book Value. 
$35,000 00 
225,000 00 
250,000 00 

42,500 00 
210,000 00 

77,000 00 
100,000 00 
250,000 00 
109,725 00 



Company. 

Rate. Market Value. 

180 $36,000 00 

263 263,000 00 

138 276,000 00 

90 45,000 00 

168 235,200 00 

140 98,000 00 

103 103,000 00 

318 318,000 00 

175 109,725 00 



204 



CONTINENTAL INSURANCE CO. 



2,500 shares Chicago & Northwestern, pref., 

1,500 " Chicago & Northwestern, com., 

2,500 " Chicago, Mil. & St. Paul, pref., 

1,000 " Chic, St. P., Minn. & Om., pref., 

100 " Delaware & Hudson, . 

5,200 " Delaware, Lack. & Western, 

2,000 " Great Northern, preferred, . 

910 " Lackawanna of New Jersey, 

3,146 " Lake Shore & Mich. Southern, 

13,000 " Lehigh Valley, . 

3,500 " Louisville & Nashville, 

500 " Mahoning Coal, . 

2,000 " Manhattan, New York, N. Y., 

1,000 " M.,S. P. &S.S.M. leased line, 

2,000 " Nashville, Chat. & St. Louis, 

5,021 " New York & Harlem, . 

500 " N. Y., Chic. & St. L., 1st pref., 

2,500 " Pitts., Cin., Chic. & St. L., pref., 

1,512 " Pitts., Cin., Chic. & St. L., com., 

500 " Pittsburg, Ft. Wayne & Chicago, 

4,200 " Pittsburg, McKeesport & Yough., 

500 " Reading, 2d preferred, . 

5,000 " Southern Pacific Co., . 

1,000 " Union Pacific, preferred, 

2,500 " Union Pacific, com., 

1,500 " United N. J. R.R. & Canal Co., 
Bank Stocks. 

250 shares Am. Exch. Nat., N. Y., N. Y., 

50 " Bank of America, N. Y., N. Y., 

500 " Bank of New York, N. B. A., 

600 " Central Trust Co., N. Y., N. Y., 

425 " Mech. & Metals Nat., N. Y., N. Y. 
Miscellaneous Stocks. 

4,000 shares Consolidated Gas Co., N. Y 



N. Y. 
N.J. 

N. Y. 



585 " Del., Lack. & West. Coal Co 

7,500 " Fire Cos. Bldg. Corp., N. Y. 

300 " Mahoning Investment Co., . 

100 " National Biscuit Co., N. J., pref.,. 

100 " Northern Securities Co., N. J., 

2,000 " Sears, Roebuck & Co., N. Y., pref 

700 " United States Express Co., N. Y., 

Government Bonds. 
United States 3s, 1961, ...".'. 

State and Municipal Bonds. 
Georgia 4Js, 1915, . 
New Mexico 4s, 1939, op. 1929, 
New York 3s, 1957, 
New York 4s, 1960-61, . 
New York, N. Y., 3|s, 1927, . 
New York, N. Y., 3£s, 1940, . 
Richmond, Virginia, 4s, 1920-21, 
Richmond, Virginia, 4s, 1923-27, 
Railroad Bonds. 
Atchison, Topeka & Santa Fe conv. 4s, 1960, 
Atlantic Coast Line conv. deb. 4s, 1939, . 
Atlantic Coast Line (L. & N. col.) 4s, 1952, 
Chicago & Alton 1st 3^s, 1950, 
Chicago, Burlington & Quincy gen. 4s, 1958, 
Chicago Great West. 1st 4s, 1959, . 
Columbia & Greenville 1st 6s, 1916, 
Delaware & Hud. Co., conv. deb. 4s, 1916, 
Elmira, Cortlandt & Northern 1st 6s, 1914, 
Fort Worth & Denver City 1st 6s, 1921, . 
Illinois Central refunding 4s, 1955, . 
Louisville & Nashville (M. & M.) 1st 4|s, 1945, 
Metropolitan Street, N. Y., general 5s, 1997, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Southern Pacific Co. conv. 4s, 1929, . 
Union Pacific conv. 4s, 1927, . 



Book Value. 

$475,000 00 

210,000 00 

350,000 00 

140,000 00 

15,000 

1,365,000 

250,000 

81,900 

1,022,450 

1,040,000 00 

507,500 00 

150,000 

260,000 

80,000 
300,000 
753,150 

50,000 00 
250,000 00 
143,640 

80,000 
210,000 

22,500 
550,000 

90,000 00 
425,000 00 
352,500 00 



00 
00 
00 
00 
00 



00 
00 
00 
00 
00 



00 
00 
00 
00 
00 



56,250 

25,000 

150,000 

540,000 

95,625 



00 
00 
00 
00 
00 



540,000 00 
73,125 00 

750,000 00 
18,000 00 
12,000 00 
10,000 00 

230,000 00 
56,000 00 

650,000 00 

10,000 00 
10,000 00 
200,000 00 
203,000 00 
112,500 00 
370,600 00 

49,400 00 



f 



1,000,000 00 

25,000 00 

45,000 00 

12,000 00 

71,250 00 

80,000 00 

50,000 00 

95,000 00 

50,000 00 

100,000 00 

38,000 00 

50,000 00 

24,000 00 

237,500 00 

213,750 00 

150,000 00 



Rate. 

197 

145 

145 

155 

168 

540 

127 

96 
400 
185 
155 
675 
136 

88 
162 
345 
104 
108 

98 
167 
125 

93 
113 

93 
174 
240 

248 
624 
317 
1,029 
263 

139 
310 

100 
60 
128 
106 
125 
87 

102 

102 
97 
101 
102 
93 
90 
99 
98 

101 

102 

95 

65 

97 

83 

106 

98 

103 

113 

96 

105 

97 

97 

105 

103 



Market Value. 

$492,500 00 

217,500 00 

362,500 00 

155,000 00 

16,800 00 

1,404,000 00 

254,000 00 

87,360 00 

1,258,400 00 

1,202,500 00 

542,500 00 

168,750 00 

272,000 00 

88,000 00 
324,000 00 
866,122 50 

52,000 00 
270,000 00 
148,176 00 

83,500 00 
262,500 00 

23,250 00 
565,000 00 

93,000 00 
435,000 00 
360,000 00 

62,000 00 

31,200 00 

158,500 00 

617,400 00 

111,775 00 

556,000 00 
90,675 00 

750,000 00 
18,000 00 
12,800 00 
10,600 00 

250,000 00 
60,900 00 

663,000 00 

10,200 00 

9,700 00 

202,000 00 

207,060 00 

116,250 00 

392,400 00 

8,068 50 

42,973 00 

1,010,000 00 

25,500 00 

47,500 00 

13,000 00 

72,750 00 

83,000 00 

53,000 00 

98,000 00 

51,500 00 

113,000 00 

38,400 00 

52,500 00 

29,100 00 

242,500 00 

236,250 00 

154,500 00 






COUNTY FIRE INSURANCE CO. 



205 



Miscellaneous Bonds. 
Am. Coal Products Co., N. J., notes, 5s, 1912-13, 
Central Leather Co., N. J., 1st 5s, 1925, 
Fire Cos. Bldg. Corp. N. Y., 1st 4|s, 1961, 
General Rubber Co., N. J., deb. 4|s, 1915, 
Mortgage Bond Co. of New York 4s, 1966, 
N. Y. Gas & Elec. Lt., Ht. & Power Co. 4s, 1949, 
Otis Elevator Co., N. J., conv. deb. 5s, 1920, 



Book Value. 


Rate. 


Market Value. 


$73,500 00 


100 


$75,000 00 


94,050 00 


96 


95,040 00 


745,000 00 


100 


745,000 00 


237,500 00 


97 


242,500 00 


21,250 00 


87 


21,750 00 


9, 40,000 00 


89 


44,500 00 


95,000 00 


95 


95,000 00 


$18,182,165 00 


$19,509,075 00 



COUNTY FIRE INSURANCE COMPANY OF PHILADELPHIA, 

PHILADELPHIA, PA. 

Incorporated May 31, 1832. Commenced business April 19, 1833. 

Paid-up Capital, .$400,000. 

CHARLES R. PECK, President. E. A. LAW, Secretanj. 

Home Office, 110 South Jf.th Street. 

Income. 

Net fire premiums, $399,141 92 

Deposit premiums on perpetual risks, ..... 2,582 22 

Gross interest on mortgages, $8,492.30; collaterals, $148; stocks 
and bonds, $34,607.88; bank deposits, $841.41; all other, 
$20.33; gross rents, including $2,500 for company's own occu- 
pancy, $4,005, .... 
Sale of rights, .... 
From all other sources, . 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 

Expenses of adjustment and settlement of losses, 

Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Furniture and fixtures, ..... 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Deposit premiums returned, . 

Dividends to stockholders, 

Agents' balances charged off, . 



48,114 92 
637 50 
469 53 

$450,946 09 
1,124,642 48 

51,575,588 57 



$204,348 97 

4,248 91 

102,349 14 

16,363 51 

20,354 15 

2,500 00 

4,358 17 

3,530 77 

222 

5,897 

4,531 

2,549 

1,108 

274 

792 

10,811 34 

2,103 04 

1,350 41 

5,931 11 

32,000 00 

563 62 



40 
76 
88 
18 
50 
62 
00 



206 



COUNTY FIRE INSURANCE CO. 



Gross loss on sale or maturity of bonds, . 

All other disbursements, ..... 

Total disbursements, ..... 

Balance, ....... 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, . . . - . 

Loans secured by collateral (21 shares Union Passenger Railway 
Philadelphia), ....... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks on interest, . 
Agents' balances, . . . . . 

Perpetual deposits, ...... 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest due and accrued on: — 
Mortgages, $1,897.01; bonds, $6,910.67; collateral loans, $35.52, 
Rents due on company's property, .... 
Market value of real estate over book value, 
Market value of stocks and bonds over book value, . 
Due from other companies, ..... 
Deposit with Philadelphia Underwriters' Association, 

Gross assets, ....... 



$52 50 


4,334 31 


. $430,576 29 


. $1,145,012 28 


$54,629 24 


181,100 00 


ilway, 

3,700 00 


. 779,833 40 


1,541 99 


51,575 18 


70,728 72 


1,903 75 



,145,012 28 



8,843 20 

35 00 

16,035 76 

35,499 10 

2,351 17 

100 00 

$1,207,876 51 



Assets not admitted. 

Agents' balances over three months due, . . . $3,525 87 

Perpetual deposits in unauthorized companies, . . 216 00 

Perpetual deposits not returnable, . . . . 190 38 

Deposit with Philadelphia Underwriters' Association, 100 00 

Admitted assets, ........ 



4,032 25 



.,203,844 26 



Liabilities. 
Unpaid losses, including $955.89 resisted, $28,408; less reinsur 

ance, $2,044.91, 

Unearned premiums on outstanding risks, 
Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 
Commissions and other charges due agents and brokers, 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$400,000 00 
229,831 33 



$26,363 09 

341,732 11 

189,061 53 

533 65 

7,322 21 

9,000 34 

$574,012 93 



629,831 33 



Total liabilities, including surplus, 



,203,844 26 



COUNTY FIRE INSURANCE CO. 



207 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . ^ . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Perpetual risks in force (not included above), 



Risks and Premiums. 

. $70,995,206 00 
. 59,126,461 00 



Premiums. 

$709,159 02 
608,124 89 



$130,121,667 00 $1,317,283 91 
51,646,160 00 535,428 77 



$78,475,507 00 
12,576,479 00 



$781,855 14 
123,796 65 



$65,899,028 00 $658,058 49 



5,528,198 00 $207,908 19 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (8 per cent.), 
Par value of company's stock owned by directors, 



56,729,274 32 
3,846,157 10 
1,068,408 17 

233,021 07 
32,000 00 

128,600 00 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
11 shares Elmira & Williamsport, . 
50 " Frankford & South wark Passenger, 
205 " German town Passenger, . 
104 " North Pennsylvania, 
600 " Pennsylvania, 

264 " Phila., Germantown & Norristown, 
200 " Philadelphia Traction Co., 
100 " Second and Third Street Passenger, 
20 " Thirteenth & Fifteenth St. Passenger 
150 " United N. J. R.R. & Canal Co., 
164 " Union Traction of Philadelphia, 

Bank Stocks. 
28 shares Bank of North America, Phila., 
10 " First National, Philadelphia, 
35 " Nat. Bank of Nor. Liberties, 

Miscellaneous Stocks. 
2 shares General Adjustment Bureau, 
State, County and Municipal Bonds 
Allegheny County, Pa., 4s, 1939, 
Baltimore, Md., 4s, 1960, 
Massachusetts 3|s, 1934, 
New York, N. Y., 4|s, 1957, 
Philadelphia, Pa., 3§s, 1931, 
Philadelphia, Pa., 4s, 1940, 
Pittsburgh, Pa., 4s, 1915, 
Pittsburgh, Pa:, 4fs, 1921, 
St. Paul, Minn., 4s, 1938, 
Trenton, N. J., 4s, 1939, 
Wilkes-Barre, Pa., 3|s, 1921, 
Wilmington, Del., 4s, 1932, 

Railroad Bonds. 
B. & O. (Pitts. L. E. & W. Va.) 4s, 1941, 
Catawissa 1st cons. 4s, 1948, . 
Chesapeake & Ohio equipment 4s, 1914, 
Delaware & Hudson Co., 1st ref. 4s, 1943, 
Elec. & People's Traction 4s, 1945, . 
Iron Mt. Car Trust 5s, 1912, . 
Lake Shore & Michigan Southern 4s, 1931, 



Book Value. 

$550 00 

16,656 25 

17,744 60 

8,699 50 
33,198 88 
28,847 05 
18,225 00 
16,816 00 

4,500 00 
29,217 39 

2,870 00 

7,458 00 

2,102 50 

11,516 25 

100 00 

10,356 00 
15,131 25 
19,700 00 
21,575 00 

9,737 50 
16,270 00 

3,015 00 

5,099 

7,120 

5,131 

3,830 
10,151 



00 
54 
25 
00 
00 



9,262 50 

4,300 00 

9,772 00 

12,015 00 

23,359 00 

10,065 00 

9,325 00 



Rate. 
104 
762 
237 
194 
123 
300 
169 
506 
510 
240 
105 

310 
231 
250 

100 

99 

101 

94 

108 

94 

101 

100 

101 

100 

98 

95 

99 

91 
101 
99 
99 
87 
100 
93 



Market Value. 
$572 00 
19,050 00 
24,292 50 
10,088 00 
36,900 00 
39,600 00 
16,900 00 
25,300 00 

5,100 00 
36,000 00 

8,610 00 

8,680 00 
2,310 00 
8,750 00 

100 00 

9,900 00 

15,150 00 

18,800 00 

21,600 00 

9,400 00 

16,160 00 

3,000 00 

5,050 00 

7,000 00 

4,900 00 

3,800 00 

9,900 00 

9,100 00 

4,040 00 

9,900 00 

11,880 00 

21,750 00 

10,000 00 

9,300 00 



208 



THE DELAWARE INSURANCE CO. 



Lehigh Valley 4£s, 1940, .... 

Lehigh Coal & Navigation Co., col. tr. 4§s, 1930, 

Lehigh Valley annuity 6s, 

Lehigh Valley gen. cons. 4s, 2003, 

Newark Passenger 1st cons. 5s, 1930, 

N. Y. Central Lines equip. 4£s, 1920, 

N. Y. C. & H. R. (Lake Sh. col.) 3|s, 1998, 

N. Y., Lacka. & West. term. & imp. 4s, 1923, 

N. Y., Philadelphia & Norfolk 4s, 1948, 

Norfolk & Western equip, tr. 4s, 1913, 

Nor. Cent. 2d Series A. & B. 5s, 1926, 

Pennsylvania Co. 3fs, 1916, 

Pennsylvania Co. 4s, 1931, 

Pennsylvania col. tr. 4|s, 1913, 

Pennsvlvania & Northwestern gen. 5s, 1930, 

Philadelphia Co. 1st 5s, 1949, . 

Phila., Bait. & Washington 1st 4s, 1943, . 

Philadelphia & Erie cons. 5s, 1920, . 

Philadelphia & Reading Terminal 5s, 1941, 

Pitts., Cin., Chic. & St. L. cons. 4£s, 1942, 

Read. Co. & P. &. R. C. & I. Co. gen. 4s, 1997, 

W. Jersey & Seashore 1st cons. 4s, 1936, 

Wladikawkas Ry. 4s, 1957, 

Miscellaneous Bonds. 
Equit. Ilium. Gas Lt. Co., of Phila., cou. 5s, 1928, 
Erie & Western Transportation Co. 4s, 1925, 
Penna. Steel Co. 5s, 1917, .... 

Western Union Telegraph Co. 4|s, 1950, . 



Book Value. 

$25,250 00 

20,350 00 

18,137 50 

4,900 00 
16,012 50 
14,856 94 

8,200 00 
10,062 50 
19,100 00 

4,897 50 
11,550 00 

8,772 50 
25,125 00 
10,162 50 
10,400 00 

5,425 00 

5,225 00 
10,600 00 
12,050 00 
23,400 00 
14,750 00 
10,000 00 
15,000 00 

14,302 50 

15,412 50 

15,250 00 

26,925 00 

$779,833 40 



Rate. 

105 

103 

148 

98 

108 

101 

81 

98 

99 

99 

111 

98 

98 

100 

108 

103 

102 

107 

116 

107 

98 

100 

84 

106 

98 

102 

97 



Market Value. 

$26,250 00 

20,600 00 

22,200 00 

4,900 
16,200 
15,150 

8,100 

9,800 
19,800 00 

4,950 00 
11,100 

8,820 
24,500 
10,000 
10,800 

5,150 

5,100 
10,700 
11,600 
21,400 00 
14,700 00 
10,000 00 
12,600 00 

13,780 00 
14,700 00 
15,300 00 
24,250 00 

$815,332 50 



00 
00 
00 
00 
00 



00 
00 
00 
00 
00 
00 
00 
00 
00 



THE DELAWARE INSURANCE COMPANY OF PHILADELPHIA., 

PHILADELPHIA, PA. 

Incorporated April 10, 1835. Commenced business Aug. 6, 1835. 

Paid-up Capital, 8400,000. 

JOHN S. BIOREN, President. J. PARSONS SMITH, Jr., Secretary. 

Home Office, Third and Walnut Streets. 

Income. 

Net fire premiums, ........ 

Deposit premiums on perpetual risks, . . . . 

Gross interest on mortgages, 15,002; collaterals, $254; stocks 
and bonds, $64,423.17; bank deposits, $762.34; gross rents, 
including $10,000 for company's own occupancy, $13,839.30, . 

Gross profit on sale or maturity of bonds, .... 

Borrowed money, . . . . . . 



361,626 40 
4,790 16 



84,280 81 
11,767 50 
30,000 00 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 
Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, including $10,000 for company's own occupancy, 
Advertising, printing and stationery, 



51,492,464 87 
2,233,260 98 

£3,725,725 85 



$994,550 26 
23,598 07 
358,198 40 
67,323 15 
27,482 65 
12,502 29 
14,313 00 



THE DELAWARE INSURANCE CO. 



209 



Postage, telegrams, telephone and express, 

Legal expenses, ..... 

Furniture and fixtures, .... 

Maps, including corrections, . 

Underwriters' boards and tariff associations 

Fire department patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Repairs and expenses on real estate, 

Taxes on real estate, 

State taxes on premiums, 

Insurance department licenses and fees, 

Other licenses, fees and taxes, 

Deposit premiums returned, . 

Dividends to stockholders, 

Agents' balances charged off, . 

Gross loss on sale of bonds, 

Gross decrease in book value of bonds, 

Borrowed money repaid, 

Interest on borrowed money, . 

All other disbursements, 

Total disbursements, 

Balance, .... 

Ledger Assets. 
Book value of real estate, .... 

Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ...... 

Deposits in trust companies and banks on interest, 
Agents' balances, ...... 

Cash in hands of special agents, 

Deposit with Philadelphia Underwriters' Association, 

Total ledger assets, .... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,643.06; bonds, $15,772.10, 
Rents accrued on company's property, 

Gross assets, . . . . 

Assets not admitted. 

Agents' balances over three months due, . . - . $4,041 55 

Book value of stocks and bonds over market value, . 26,821 66 

Cash in hands of special agents, . . . 575 00 

Deposit with Philadelphia Underwriters' Association, 100 00 

Special deposits less $1,925 liability thereon, . . 7,875 00 







$9,229 
1,459 


58 
03 






1,335 40 
6,041 34 


xes, 




22,793 68 
7,489 75 
2,289 15 
5,061 95 
2,009 20 

27,618 46 






8,120 51 
2,566 01 






3,018 


24 






60,000 


00 






262 


59 






1,050 
597 


14 
71 






30,000 00 
255 42 






5,932 


16 




$1,695,098 


14 


• 


$2,030,627 71 






$200,000 00 

102,000 00 

4,000 00 

1,261,131 66 

13,251 06 

71,313 69 

378,256 30 






575 


00 






100 


00 


■ 


$2,030,627 


71 


17,415 


16 




391 


67 


$2,048,434 54 



39,413 21 



Admitted assets, 



. $2,009,021 33 



Liabilities. 
Unpaid losses, including $8,775 resisted, $237,174; less reinsur- 
ance, $47,665, $189,509 00 

Unearned premiums on outstanding risks, .... 1,223,870 84 



210 



THE DELAWARE INSURANCE CO. 



Reclaimable on perpetual fire policies, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Commissions and other charges due agents and brokers, 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$400,000 00 
24,684 49 



$129,169 55 

882 43 

10,000 00 

30,905 02 

1,584,336 84 



424,684 49 
$2,009,021 33 



Total liabilities, including surplus, . . . 

Risks and Premiums. 

Risks. Premiums. 

$263,183,060 00 $2,912,233 97 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



176,502,466 00 2,154,927 41 



$439,685,526 00 $5,067,161 38 
185,962,773 00 2,286,604 04 



$253,722,753 00 
30,810,922 00 



5,780,557 34 
371,293 71 



$222,911,831 00 $2,409,263 63 



Perpetual risks in force (not included above), 

Miscellaneous. ' 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (15 per cent.), 
Par value of company's stock owned by directors, 



^,986,714 00 $143,265 10 



$46,300,024 00 

27,571,501 00 

3,169,967 04 

995,531 26 

60,000 00 

50,130 00 



Schedule A. Securities held as Collateral. 



24 shares Merchants Union Trust Co., 
50 " Union Traction Co., 



Company's 
Market Value. 
$2,640 00 1 
2,550 00/ 

$5,190 00 



Loaned 
Thereon. 

$4,000 00 



Schedule B. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
500 shares Consolidated Traction Co. of N. J., 
300 Frankford & South wark Passenger, 

100 " Philadelphia Traction Co., 
70 " Second & Third Sts., 
36 " Thirteenth & Fifteenth Sts., 
Miscellaneous Stocks. 

3 shares General Adjustment Bureau, 
20 " Philadelphia Bourse, common, 
15 " Philadelphia Bourse, preferred, 

4 " Southern Adjustment Bureau, 

5 " Underwriters Salvage Co. N. Y 

State and Municipal Bonds. 
Camden, N. J., 4s, 1912, 
Duquesne, Pa., 4|s, 1925-31, 
Georgia 3£s, 1927, . 
Montreal, Can., 4s, 1949, 
New York, N. Y., 4§s, 1957, 
New York, N. Y., 4Js, 1960, 



Book Value. 

$36,125 00 

117,888 02 

8,839 14 

18,698 75 

8,644 50 

150 00 
1,000 00 
375 00 
200 00 
500 00 

1,016 80 

28,082 20 

9,925 00 

10,190 00 

36,605 99 

20,269 44 



Rate. 
77 
762 
169 
506 
510 

100 

6 

36 

100 

125 

100 
103 
96 
98 
108 
103 



Market Value. 

$38,500 00 

114,300 00 

8,450 00 

17,710 00 

9,180 00 

150 00 
60 00 
135 00 
200 00 
625 00 

1,000 00 

26,780 00 

9,600 00 

9,800 00 

37,800 00 

20,600 00 



THE DETKOIT FIRE AND MARINE INSURANCE CO. 



211 



Norfolk, Va., 4s, 1939, . 
Norfolk, Va., 4£s, 1941, . 
Norfolk, Va., 4s, 1928, . 
Philadelphia, Pa., 4s, 1938, 

Railroad Bonds. 
American Railways col. tr. 5s, 1917, 
American Railways ref. conv. 5s, 1931, 
Boston & Worcester Street 1st 4£s, 1923, 
Brooklyn Rapid Transit Co. 1st 4s, 2002, 
Chesapeake & Ohio 4?s, 1930, . 
Chic, Rock Island & Pac. col. tr. 4s, 2002, 
Delaware & Hudson conv. 4s, 1916, . 
East McKeesport Street 5s, 1929, 
Easton & S. Bethlehem Transit 1st 5s, 1936, 
Ft. Wayne & Wab. Val. Trac. 1st cons. 5s, 1934, 
Ft. Worth & Rio Grande 1st 4s, 1928, 
Indianapolis Northern Traction 5s, 1932, 
Interborough-Met. Co. col. tr. 4fs, 1956, 
Iowa Central 1st ref. 4s, 1951, 
Kansas City Southern ref. 5s, 1950, . 
Lehigh Valley cons. 4£s, 1923, 
Missouri, Kansas & Texas 4s, 2004, . 
Missouri Pacific 4s, 1945, 
N. Y., N. H. & Hartford 3£s, 1956, . 
Norfolk & Western 4s, 1944, . 
Roanoke Traction & Light Co. 1st 5s, 1958, 
St. Louis Mer. Bridge Terminal 5s, 1930, 
Southern Pacific 4s, 1929, 
Southern 5s, 1994, .... 
Southern Traction Co. of Pitts. 5s, 1950, 
Trenton Street gen. 6s, 1941, . 
United Rys. of San Francisco 4s, 1927, 
United Rys. Investment Co. col. tr. 5s, 1926, 
Wabash-Pittsburg Terminal Co. 1st 4s, 1954, 
Western Pacific 1st 5s, 1933, . 
Wilmington & Chester Traction 5s, 1918, . 

Miscellaneous Bonds. 
American Gas Co. col. tr. 5s, 1920, . 
Nat. Gas, Elec. Lt. & Power Co. col. tr. 6s, 1931 
Westinghouse Elec. Mfg. Co. conv. 5s, 1931, 



Book Value. 

$19,450 00 

1,002 50 

935 00 

25,973 95 

14,240 63 
39,910 00 
23,147 40 
34,656 25 
23,656 25 
35,617 79 
30,265 16 

8,426 08 
19,819 44 
19,033 34 
39,650 00 
14,362 50 
16,275 00 

7,500 00 
20,285 20 
100,812 50 
22,894 16 
19,843 75 
49,474 50 
19,540 00 
36,100 00 
25,156 10 
48,843 75 
10,745 51 
10,411 64 
25,000 00 
20,281 25 
78,214 00 
13,931 25 
24,468 75 
18,790 00 

20,358 17 

4,900 00 

18,650 00 

$1,261,131 66 



Rate. 

93 
101 

95 
101 

96 
96 
96 
84 
93 
72 
98 

100 
99 
86 
82 
89 
81 
67 

100 

104 
80 
70 
92 
94 
95 

108 
97 

108 
93 

101 
69 
85 
39 
89 
94 

100 

101 

93 



Market Value. 

$18,600 00 

1,010 00 

950 00 

25,250 00 

14,400 00 
41,280 00 
22,080 00 
33,600 00 
23,250 00 
36,000 00 
29,400 00 

8,000 00 
19,800 00 
17,200 00 
36,900 00 
13,350 00 
16,200 00 

6,700 00 
20,000 00 
104,000 00 
24,000 00 
17,500 00 
46,000 00 
18,800 00 
38,000 00 
27,000 00 
48,500 00 
10,800 00 

9,300 00 

■ 25,250 00 

17,250 00 

76,500 00 

5,850 00 
22,250 00 
18,800 00 

22,000 00 

5,050 00 

18,600 00 

$1,234,310 00 



THE DETROIT FIRE AND MARINE INSURANCE COMPANY, 

DETROIT, MICH. 

Incorporated Feb. 1, 1866. Commenced business March 14, 1866. 

Paid-up Capital, $500,000. 

E. H. BUTLER, President. A. H. McDONELL, Secretary. 

Home Office, 100 Griswold Street. 

Income. 

Net fire premiums, $588,862.66: marine, $15,088.58, . 

Gross interest on mortgages, $38,741.94; collaterals, $1,335.90; 

bonds, $44,389.41 ; bank deposits, $729.73; all other, $10,014.25; 

gross rents, $867.50, 

Agents' balances previously charged off, .... 
Gross profit on sale of ledger assets, .... 

Gross increase in book value of bonds, 
From all other sources, ....... 



Total income, 
Ledger assets, Dec. 31, 1910, 

Total, . 



. $603,951 


24 


! 96,078 


73 


25 


00 


528 


38 


50 00 


360 


24 


. $700,993 59 


. 2,074,179 


71 


. $2,775,173 


30 



212 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



Disbursements. 

Net amount paid policy holders for fire losses, $318,822.40 

marine, $12,766.50, 

Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ........ 

Advertising, printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, ..... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . 

Repairs and expenses on real estate, 

Taxes on real estate, . . ... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, . ... 

Agents' balances charged off, .... 

Gross loss on sale of real estate, . 

Gross decrease in book value of bonds, 

Salvage previously held awaiting adjustment, . 

Rebate of interest on mortgages, 

All other disbursements, . . . . 

Total disbursements, .... 

Balance, ...... 

Ledger Assets 
Book value of real 'estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of bonds (schedule B), . 
Cash in office, .... 
Deposits in trust companies and banks on interest, 
Agents' balances, .... 
Due from other companies, 

Total ledger assets, . 

Non-Ledger Assets. 

Interest due and accrued on : — 
Mortgages, $8,684.49; bonds, $15,615.81; collateral loans, $596.67; 

other assets, $1,021.65, 

Market value of bonds over book value, ..... 



$331,588 


90 


5,080 


19 


130,254 48 


17,899 


96 


44,532 


77 


4,939 32 


7,178 


71 


5,252 27 


900 


00 


227 41 


2,204 


10 


6,785 72 


6,189 


62 


514 


16 


201 


29 


188 


55 


7,380 


89 


3,582 


87 


7,323 


65 


72,500 


00 


9 40 


120 


00 


1,448 


78 


2,986 30 


677 


85 


1,371 


49 


$661,338 68 


$2,113,834 62 


$174,783 


51 


707,433 


85 


20,000 


00 


1,021,249 47 


1,810 


99 


96,395 22 


91,966 86 


194 72 


$2,113,834 62 



Gross assets, ...... 

Assets not admitted. 
Agents' balances over three months due, . 

Admitted assets, . 



25,918 62 

689 34 

. $2,140,442 58 

1,441 68 

. $2,139,000 90 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



213 



Liabilities. 

Unpaid losses, including $8,199 resisted, $65,495.95; less 

surance, $4,085.50, - . 

Unearned premiums on outstanding risks, 
Federal, state and other taxes, due or accrued, 
Commissions and other charges due agents and brokers, 
Salvage held awaiting adjustment, .... 



rein- 



Total, 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$500,000 00 
1,047,727 04 



$61,410 i:, 

521,862 02 

7,500 00 

249 20 

252 19 

$591,273 86 



1,547,727 04 

$2,139,000 90 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, . 
Excess premiums on account of reinsurance, 



Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 

Marine risks in force Dec. 31, 1910, 
Marine risks written during the year, 

Total, 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 



Risks. Premiums. 

.459,060 00 $1,066,004 44 
69,966,289 00 807,194 79 
657 51 



$166,425,349 00 $1,873,856 74 
62,350,409 00 732,413 23 



$104,074,940 00 $1,141,443 51 
10,192,136 00 126,121 91 



,882,804 00 $1,015,321 60 



$80,000 00 
4,331,576 00 

54,411,576 00 
4,331,576 00 

$80,000 00 
80,000 00 



$2,700 00 
21,292 45 

$23,992 45 
21,637 95 



&2,354 

2,354 



50 
50 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of compan}^ 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Marine and inland losses incurred during the year, 

Dividends declared during the year (12 per cent.),^ . 

Par valjre of company's stock ow T ned by directors, 

Schedule A. Securities held as Collateral. 



$13,119,484 08 

6,725,097 84 

1,613,500 00 

350,000 00 

312,455 33 

7,832 23 

60,000 00 

101,950 00 



Participation in $300,000 loan secured by collateral valued at 
$366,372 held in trust, 



Company's 
Market Value. 



$22,226 00 



Schedule B. Bonds owned by the Company. 

State, County and Municipal Bonds. Book Value. Rate. 

Ann Arbor, Mich., 4s, 1930-31, . . . $5,000 00 98 

Arizona 4s, 1956, op. 1926 25,000 00 100 

Arizona 5s, 1942, op. 1912, .... 10,000 00 100 



Loaned 
Thereon. 

$20,000 00 



Market Value. 
$4,900 00 
25,000 00 
10,000 00 



214 



THE DETROIT FIRE AND MARINE INSURANCE CO. 



Arizona 5s, 1948, op. 1918, 

Arizona 5s, 1946, op. 1916, 

Battle Creek, Mich., 4s, 1929, . 

Detroit, Mich., 4s, 1919-26, . 

Detroit, Mich., 4s, 1913, 

Detroit, Mich., 4§s, 1934, 

Detroit, Mich., 3Js, 1929-32, . 

Detroit, Mich., 3.65s, 1918, 

Detroit, Mich., 3£s, 1916, 

Detroit, Mich., 4s, 1933-35, 

Detroit, Mich., 3fs, 1926-27, . 

Ecorse, Mich., Schools 4|s, 1925, 

Flint, Mich., 4s, 1934, . 

Flint, Mich., 5s, 1912, . 

Flint, Mich., 5s, 1913, . 

Flint, Mich., 5s, 1914, . 

Grand Rapids, Mich., 4§s, 1912, 
Grand Rapids, Mich., 4$s, 1913-14, 
Grand Rapids, Mich., 4|s, 1915, 
Grand Rapids, Mich., 4s, 1929, 
Grosse Pointe, Mich., 4fs, 1928, 

Hamtramck, Mich., 6s', 1912-14, 
Hawaii 4s, 1918, op. 1908, 
Hawaii 3§s, 1921, op. 1911, 
Hawaii 4Js, 1920, op. 1910, 
Highland Park, Mich., 4s, 1926-29, 
Ionia, Mich., 4§s, 1912-13, 
Jackson, Mich., 4s, 1930, 
Kalamazoo, Mich., 4s, 1912-17, 
Kalamazoo, Mich., 4§s, 1917, . 
Kalamazoo, Mich., 4s, 1916, 
Kalamazoo, Mich., 4^s, 1918-19, 
Kalamazoo, Mich., 4|s, 1920, . 
Lansing, Mich., 4|s, 1912-13, . 
Monguagon, Mich., 4s, 1912-24, 
Monroe, Mich., 4s, 1918-21, . 
Montcalm Co., Mich., 4s, 1913-15, 
New Mexico 4s, 1937, op. 1927, 
New Mexico 5s, 1921, op. 1911, ■ 
Pontiac, Mich., 4|s, 1920-23, . 
Pontiac, Mich., 4|s, 1924-26, . 
Portland, Ore., 6s, 1921, op. 1912, 
Redford, Mich., 4§s, 1912-14, . 
Redford, Mich., 4§a, 1915-20, . 
Redford, Mich., 4fs, 1923-25, . 
River Rouge, Mich., 4|s, 1939, 
Saginaw, Mich., 4s, 1912-15, . 
Saginaw, Mich., 4s, 1914-16, . 
Saginaw, Mich., 3£s, 1912, 
Saginaw, Mich., 3§s, 1913, 
Saginaw, Mich., 3£s, 1914-15, . 
Saginaw, Mich., 3|s, 1916, 

Miscellaneous Bonds. 
American Lumber Co. 6s, 1916-18, 
Chesbrough Lumber Co., Det., Mich., 6s, 1913, 
Hotchkiss Timber Co. 6s, 1915-17, 
Pacific Lumber Co., Maine, 6s, 1912-15, 
Puget Sound Mills & Timber Co. 6s, 1914, 
S. E. Slade Lumber Co. 6s, 1916-17, 
Soxithern Pine Lumber Co., Texas, 6s, 1913 
Union Lumber Co., Cal., 6s, 1913-14, 



Book Value. 

$9,000 00 

6,000 00 

15,000 00 

248,000 00 

5,000 00 

5,000 00 

88,000 00 

3,000 00 

38,000 00 

33,000 00 

20,000 00 

10,000 00 

20,000 00 

2,545 55 

2,545 55 

2,545 55 

11,000 00 

38,000 00 

9,000 00 

17,000 00 

9,000 00 

5,97>2 82 

5,000 00 

25,000 00 

8,000 00 

25,000 00 

2,400 00 

14,500 00 

20,840 00 

1,500 00 

1,000 00 

3,000 00 

1,000 00 

9,000 00 

13,000 00 

15,000 00 

21,000 00 

15,000 00 

15,000 00 

16,000 00 

9,000 00 

10,000 00 

6,000 00 

4,000 00 

8,000 00 

20,000 00 

20,400 00 

9,000 00 

900 00 

2,900 00 

7,800 00 

3,400 00 

10,000 00 

3,000 00 

10,000 00 

16,000 00 

10,000 00 

10,000 00 

5,000 00 

7,000 00 

$1,021,249 47 



Rate. 

105 

104 
100 
101 
100 
107 

95 

99 

98 
102 

96 
102 
100 
100 
101 
102 
100 
101 
102 
102 
104 
100 
100 

98 
100 
100 
100 
100 
100 
102 

99 
103 
104 
100 
100 
100 
100 

97 
100 
103 
104 
100 
100 
101 
102 
106 
100 

99 
100 

99 

98 

97 

100 
100 
100 
100 
100 
100 
100 
100 



Market Value. 

$9,450 00 

6,240 00 

15,000 00 

250,480 00 

5,000 00 

5,350 00 

83,600 00 

2,970 00 

37,240 00 

33,660 00 

19,200 00 

10,200 00 

20,000 00 

2,545 55 

2,571 00 

2,596 44 

11,000 00 

38,380 00 

9,180 00 

17,340 00 

9,360 00 

5,972 82 

5,000 00 

24,500 00 

8,000 00 

25,000 00 

2,400 00 

14,500 00 

20,840 00 

1,530 00 

990 00 

3,090 00 

1,040 00 

9,000 00 

13,000 00 

15,000 00 

21,000 00 

14,550 00 

15,000 00 

16,480 00 

9,360 00 

10,000 00 

6,000 00 

4,040 00 

8,160 00 

21,200 00 

20,400 00 

8,910 00 

900 00 

2,871 00 

7,644 00 

3,298 00 

10,000 00 

3,000 00 

10,000 00 

16,000 00 

10,000 00 

10,000 00 

5,000 00 

7,000 00 

L,021,938 81 



DIXIE FIRE INSURANCE CO. 



215 



DIXIE FIRE INSURANCE COMPANY, GREENSBORO, N. C. 

Incorporated March, 1906. Commenced business September, 1906. 

Cash Capital, $500,000. 

ASHLEY HORNE, President. F. M. GARNER, Secretary. 

Home Office, 125 South Elm Street. 

Income. 

Net fire premiums, , $532,624 42 

Gross interest on mortgages, $19,175.56; collaterals, $3,502.19; 
stocks and bonds, $22,168.91; bank deposits, $2,146.40; gross 
rents, including $1,500 for company's own occupancy, $9,603.15, 56,596 21 
Agents' balances previously charged off, .... 10 00 

Gross profit on sale of stocks and bonds, ..... 9,353 00 



Total income, ..... 

Ledger assets, Dec. 31, 1910, .... 

Total, 

Disbursements. 
Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, .... 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, for company's own occupancy, 
Advertising, printing and stationery, . * . 

Postage, telegrams, telephone and express, 
Legal expenses, ...... 

Furniture and fixtures, . . ■ . 

Maps, including corrections, .... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, .... 

Repairs and expenses on real estate, 

Taxes on real estate, ..... 

State taxes on premiums, .... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Agents' balances charged off, .... 

Gross loss on sale of stocks, .... 

All other disbursements, 



Total disbursements, . 

Balance, ...... 

Ledger Assets 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, ..... 



$598,583 63 
1,321,834 61 



. $1,920,418 24 


$479,739 41 

11,098 52 

117,060 15 


21,941 


57 


35,294 51 


1,500 00 
7,653 76 
4,858 12 


5,183 


31 


796 


30 


1,332 
9,605 
6,204 


66 
74 
50 


874 00 


5,070 


19 


1,105 00 
9,093 79 
5,728 35 
14,313 70 
3,901 96 


252 


00 


3,644 91 


. $746,252 


45 


. $1,174,165 


79 


. $100,000 00 
325,327 48 


47,100 


00 


484,591 


84 


447 93 



216 



DIXIE FIRE INSURANCE CO. 



Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Due from other companies, . . . . 

Deposit with Western Sprinkled Risk Association, 

Total ledger assets, ..... 



Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $5,728.16; bonds, $7,257.07; collateral loans, $610.88, 
Rents due and accrued on company's property, . 

Supplies, printed matter and stationery, ..... 
Furniture, fixtures and maps, ....... 

Gross assets, ......... 



Assets not admitted. 
Supplies, printed matter and stationery, . 
Furniture, fixtures and maps, .... 
Agents' balances over three months due, . 
Overdue and accrued interest on bonds in default, 
Book value of stocks and bonds over market value, 
Due from unauthorized companies, . 
Deposit with Western Sprinkled Risk Association, 



$1,500 00 

12,000 00 

26,166 05 

400 00 

11,671 84 

53 33 

500 00 



Admitted assets, 



Liabilities. 
,440 resisted, $55,273.82; less rein- 



Unpaid losses, including 

surance, $7,103.49, 
Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 

Total, . 

Cash capital, ...... 

Surplus over all liabilities, .... 

Surplus to policy holders, . . . . - 

Total liabilities, including surplus, 

Risks and Premiums. 



$500,000 00 
209,620 31 



$2,026 21 

68,545 89 

142,567 31 

3,059 13 

500 00 

,174,165 79 



13,596 11 
1,402 75 
1,500 00 

12,000 00 

,202.664 65 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, .... 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Risks. 

. $74,229,090 00 

. 68,037,706 00 

. $142,266,796 00 

. 65,058,906 00 

. $77,207,890 00 

. 29,035,331 00 



52,291 22 
,150,373 43 



$48,170 33 

382,582 79 

360 09 

9,639 91 

$440,753 12 



709,620 31 
.,150,373 43 



Premiums. 

.,080,811 52 
995,037 99 

$2,075,849 51 
973,299 58 

$1,102,549 93 
346,355 47 



,172,559 00 $756,194 46 



DIXIE FIRE INSURANCE CO. 



217 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Par value of company's stock owned by directors, 



$3,948,746 43 

2,380,969 75 

40,000 00 

454,356 35 

231,950 00 



Schedule A. Securities held as Collateral. 



20 shares Commercial Nat. Bank, 



150 

50 
100 

24 

24 
140 

10 

60 

50 
N. C. 



Scot. Neck Cotton Mill, pref., . 
Scot. Neck Land Co., 
Edgecomb Home. & Land Association, 
McClamrock Mantel Co., 
McClamrock Mantel Co., 
Bank of Maxton, 
Murchison National Bank, 
United Lumber Co., 
First National Bank, Durham, 
Public Service Co. 5s, 1934, . 



80 shares Belhaven Ice Co. 

96 " Belhaven Lumber Co. 



Coinpany'8 
Market Value. 

$2,200 00 

15,000 00 | 
5,000 00 }■ 

10,000 00 J 
2,400 00 
2,400 00 

20,000 00 ] 

1,200 oo y 

6,000 00 J 

5,500 00 

13,000 00 

8,000 001 

9,600 00/ 

$100,300 00 



Loaned 
Thereon. 

$1,500 00 

15,000 00 

1,550 00 
1,550 00 

7,000 00 

2,500 00 
10,000 00 

8,000 00 



$47,100 00 



Schedule B. Stocks and Bonds owned by the Company. 



Miscellaneous Stocks. 

4 shares General Adjustment Bureau, N. Y., 
50 " Guil. Ins. & R. Co., Greens., N.C., 

2 " Southern Adjustment Bureau, . 

1 share Western Adjustment & Inspec. Co., 
Government Bonds. 
United States Philippine Is. 4s, 1934, op. 1914, 
United States Philippine Is. 4s, 1936, op. 1916, 

State, County and Municipal Bonds. 
Georgia 4|s, 1915, . 
Granville Co., N. C, 4Js, 1939, 
North Carolina 4s, 1913, 
North Carolina 4s, 1950, 
Richmond, Va., 4s, 1941, 
Wilson Township, N. C, 5s, 1938, 

Railroad Bonds. 
Atlantic Coast Line 1st cons. 4s, 1952, 
Atlantic Coast Line unified 4s, 1959, 
Buffalo & Susquehanna 1st ref. 4s, 1951, . 
Chicago & W. Indiana cons. 4s, 1952, 
Iowa Central 1st and ref. 4s, 1951, . 
Lake Shore & Michigan So. 4s, 1928, 
Nor. Pac.-Gt. Nor. (C, B. & Q. col.) 4s, 1921, 
Oregon Short Line 4s, 1929, 
Pennsylvania conv. 3|s, 1915, . 
Southern 1st cons. 5s, 1994, 

Miscellaneous Bonds. 
Peace Institute, Raleigh, N. C, 5s, 1917, . 



Book Value. 

$200 00 

5,000 00 

100 00 

200 00 

33,299 17 
22,199 44 

22,360 00 
25,737 50 
1,000 00 
83,975 00 
35,175 00 
40,000 00 

23,953 13 

8,975 00 

9,058 85 

9,200 00 

16,485 00 

23,312 50 

23,937 50 

23,156 25 

53,062 50 

23,705 00 

500 00 



,591 84 



Rate. 
100 
100 
100 
200 

102 
102 

102 
103 
100 
101 
97 
102 

95 
90 
46 
92 
67 
94 
97 
94 
97 
108 

100 



Market Value. 

$200 00 

5,000 00 

100 00 

400 00 

30,600 00 
20,400 00 

20,400 00 
25,750 00 
1,000 00 
84,840 00 
33,950 00 
40,800 00 



00 
00 
00 
00 
00 



23,750 

9,000 

4,600 

9,200 
14,070 
23,500 00 
24,250 00 
23,500 00 
53,350 00 
23,760 00 

500 00 

8472,920 00 



218 



DUBUQUE FIRE AND MARINE INSURANCE CO. 



DUBUQUE FIRE AND MARINE INSURANCE COMPANY, 

DUBUQUE, IA. 

Incorporated July 18, 1883. Commenced business July 18, 1883. 
Cash Capital, $200,000. 
JOHN ELLWANGER, President. N. J. SCHRUP, Secretary. 

Home Office, Bank and Insurance Building. 

Income. 

Net fire premiums, $714,253 99 

Gross interest on mortgages, $52,291.98; collaterals, $453; stocks 
and bonds, $15,036.10; bank deposits, $1,835.21; all other, 

$753.68; gross rents, $220, 70,589 97 

Gross profit on sale of bonds, . . . . . . . 1,568 75 

Total income, 
Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, 

Salaries and expenses of special and general agents, 
Salaries, fees, etc., of officers and employees, 
Rents, ....... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ... 

Maps, including corrections, . 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, 

Taxes on real estate, .... 

State taxes on premiums, 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, 

Dividends to stockholders, 

All other disbursements, 

Total disbursements, 

Balance, ..... 

Ledger Assets. 
Book value of real estate, 
Mortgage loans on real estate, 
Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), 
Cash in office, . . • . 

Deposits in trust companies and banks not on interest, 
Deposits in trust companies and banks on interest, . 
Agents' balances, ....... 

Total ledger assets, . . . . 



. $786,412 71 
. 1,262,106 52 


. $2,048,519 23 


. $366,371 71 

9,797 56 

193,892 55 


32,530 81 


25,764 80 

. • 2,215 00 

4,945 13 


6,927 83 


55 42 


1,698 61 
773 91 


7,860 80 

. . 3,275 24 

30 55 


12,683 89 


4,761 81 

2,426 73 

40,000 00 


2,641 40 


. $718,653 55 


. $1,329,865 68 


$2,900 00 

859,883 00 

9,900 00 


274,543 75 
1,820 86 


4,048 64 


69,807 58 
106,961 85 


. $1,329,865 68 



DUBUQUE FIRE AND MARINE INSURANCE CO. 



219 



x Non-Ledger Assets. 
Interest due and accrued on : — 
Mortgages, $14,569.78; bonds, $3,388.25; collateral loans, $781.85, 
Rents due on company's property, ..... 
Market value of stocks and bonds over book value, . 
Due from local agency, ........ 

Gross assets, ......... 

Assets not admitted. 
Agents' balances over three months due, ..... 

Admitted assets, ....... 

Liabilities. 
Unpaid losses, $34,821.26; less reinsurance, $6,338.23, 
Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 



$18,739 88 

20 00 

10,731 25 

5,572 29 



Total, . 
Cash capital, 

Surplus over all liabilities, 
Surplus to policy holders, 



$200,000 00 

348,270 74 



Total liabilities, including surplus, ..... 

Risks and Premiums. 

Risks. 

$112,748,546 00 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



76,240,921 00 

$188,989,467 00 
62,570,265 00 

$126,419,202 00 
6,470,698 00 



,364,929 10 



5,335 80 
,359,593 30 



$28,483 00 

762,387 53 

452 03 

20,000 00 

$811,322 56 



548,270 74 
$1,359,593 30 



Premiums. 

$1,386,399 24 

930,609 34 

$2,317,008 58 

790,992 88 

$1,526,015 70 

100,075 15 



$119,948,504 00 $1,425,940 55 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Stock dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (20 per cent.), 

Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 

Company's 
Market Value. 



$5,878,864 89 

2,449,902 42 

433,000 00 

100,000 00 

353,738 65 

40,000 00 

137,000 00 



50 shares German Savings Bank, Dubuque, la., 
50 " German State Bank, Dyersville, la., . 
25 " German Savings Bank, Dubuque, la., 
Certificate of Deposit, Farmers State Bk., Dyersville, la. 



$6,000 00 
5,000 00 
3,000 00 
3,000 00 

$17,000 00 



Loaned 
Thereon. 

$1,800 00 
3,500 00 
2,000 00 
2,600 00 

$9,900 00 



220 



DUTCHESS FIRE INSURANCE CO. 



Schedule B. Stocks and Bonds owned by the Company. 

Bank Stocks. 
250 shares German Savings, Dubuque, la., 
25 " Mason City L. & T. Co., Mason City.Ia 

Miscellaneous Stocks. 
100 shares Bank & Ins. Bldg., Dubuque, la., 
250 " United States Steel Corp., pref., 

Municipal Bonds. 
Chicago, 111., 5s, 1911-12, 

Railroad Bonds. 
Chicago City 1st 5s, 1927, 
Chicago Rys. 5s, 1927, .... 
Chippewa Val. Ry. Lt. & P. Co. 5s, 1924, 

Miscellaneous Bonds. 
Citizens Gas & Elec. Co., Waterloo, la., 5s, 1926, 
Dubuque & Wis. Bridge Co. 1st 5s, 1917, . 
Laclede Gas Light Co. 5s, 1934, 
National Brick Co. 5£s, 1912-15, 
Pacific Telephone & Telegraph Co. 5s, 1937, 
Union Elec. Lt. & Power Co. 5s, 1933, 
U. S. Steel Corporation 5s, 1963, 
Westinghouse Elec. & Mfg. Co. 5s, 1931, . 



Book Value. 


Bate. 


Market Value. 


$30,000 00 


115 


• $28,750 00 


[a. 2,500 


00 


120 


3,000 


00 


10,000 


00 


100 


10,000 


00 


27,956 


25 


111 


27,750 


00 


13,500 


00 


100 


15,000 


00 


48,875 


00 


103 


51,500 


00 


30,000 


00 


100 


30,000 


00 


4,362 


50 


99 


4,950 


00 


», 2,337 


50 


97 


2,425 


00 


1,000 


00 


100 


1,000 


00 


10,150 


00 


101 


10,100 


00 


11,500 


00 


100 


11,500 


00 


19,050 


00 


99 


19,800 


00 


18,650 


00 


97 


19,400 


00 


35,750 


00 


102 


40,800 


00 


8,912 


50 


93 


9,300 


00 


$274,543 


75 


$285,275 


00 



DUTCHESS FIRE INSURANCE COMPANY, POUGHKEEPSIE, N. Y. 

Incorporated Aug. 18, 1908. Commenced business Aug. 22, 1906. 
Paid-up Capital, $200,000. 
L. H. VAIL, President. FRANK L. GARDNER, Secretary. 

Home Office, 39 Market Street. 

Income. 

Net fire premiums, $368,838 39 

Gross interest on mortgages, $1,785.08; stocks and bonds, 

$22,812.64; all other, $15.75; gross rents, including $1,200 for. 

company's own occupancy, $1,564.07, . . . . . ■ 26,177 54 

Gross profit on sale of bonds, ..... 6,429 82 

Total income, ...... 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, ..... 

Salaries and expenses of special and general agents, . 

Salaries, fees, etc., of officers and employees, 

Rents, for company's own occupancy, 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, . 

Maps, including corrections, ..... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Repairs and expenses on real estate, 

Taxes on real estate, . 

State taxes on premiums, ..... 



. $401,445 
664,943 


75 

24 


. $1,066,388 99 


.' $249,881 
4,161 


93 

56 


94,162 14 
7,605 13 

16,276 33 
1,200 00 


2,349 


88 


1,550 


57 


519 


17 


408 


61 


682 


35 


2,505 
539 


17 

26 


246 85 


303 


75 


4,180 


81 



DUTCHESS FIRE INSURANCE CO. 



221 



Insurance department licenses and fees, . 
Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 
Gross loss on sale of bonds, ..... 
All other disbursements, ..... 

Total disbursements, ..... 

Balance, 

Ledger Assets. 
Book value of real estate, ..... 

Mortgage loans on real estate, .... 

Book value of stocks and bonds (schedule A), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 
Agents' balances, ....... 

Bills receivable, ....... 

Total ledger assets, . . . . ... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $511.14; bonds, $3,069.80, 

Gross assets, ......... 

Assets not admitted. 

Agents' balances over three months due, . . . $1,295 58 

Book value of stocks and bonds over market value, . 6,704 78 

Admitted assets, ........ 

Liabilities. 
Unpaid losses, including $1,693.67 resisted, $38,482.98; less rein- 
surance, $5,571.33, 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 
Due for reinsurance, 

Total, . 

Cash capital, $200,000 00 

Surplus over all liabilities, . . 139,709 21 

Surplus to policy holders, 

Total liabilities, including surplus, 

Risks and Premiums. 

Risks. 

855,607,132 00 



Fire risks in force Dec. 31, 1910, 
Fire risks written during the year, 

Total, . . 

Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force. 



$1,335 89 

33 82 

12,000 00 

832 59 

677 44 



. 


$401,453 25 


. $664,935 74 


$15,000 00 




46,858 86 

520,584 78 

9,449 58 




16,096 88 

56,545 64 

400 00 



$661,935 74 



3,5S0 94 
$668,516 68 



8,000 36 
$660,516 32 



42,573,402 00 

$98,180,534 00 
43,434,300 00 

$54,746,234 00 
4,405,558 00 



>,911 65 

280,502 55 

1,487 00 

3,176 38 

2,729 53 

$320,807 11 



339,709 21 
$660,516 32 



Premiums. 

$618,081 3S 

488,921 88 

$1,107,003 26 

504,801 80 

8602,201 46 

53,625 75 



$50,340,676 CO 8548,575 71 



222 



DUTCHESS FIRE INSURANCE CO. 



Miscellaneous. 

Net premiums received from organization of company, 

Net losses paid from organization of company, 

Cash dividends declared from organization of company, 

Fire losses incurred during the year, 

Dividends declared during the year (6 per cent.), 

Par value of company's stock owned by directors, 



Schedule A. Stocks and Bonds owned by the 



$2,289,288 52 

1,156,801 32 

20,000 00 

245,128 25 

12,000 00 

121,400 00 



Railroad Stocks. 
200 shares Baltimore & Ohio, . 
100 " Denver & Rio Grande, preferred, 
100 " Great Northern, preferred, 
100 " Louisville & Nashville, 
100 " Manhattan, . 
100 " Norfolk & Western, 
50 " Northern Pacific, 
220 " Pennsylvania, 
100 " Southern Pacific Co., 

Bank Stocks. 
10 shares Fallkill Nat., Poughkeepsie, 
20 " Farmers & Mfrs. Nat., Poughkeepsie 
10 " Merchants Nat., Poughkeepsie, 
50 " Nat. Bank, New York, N. Y., . 
Miscellaneous Stocks. 

100 shares American Express Co.,; . 

100 American Telegraph &' Cable Co., 

220 " American Telephone & Tel. Co., 
3 " General Adjustment Bureau, 

300 " General Electric Company, 
1 share Louisville Property Company, . 

100 shares National Lead Co., preferred, . 

100 " United States Steel Corp., pref., 

125 " William St. Offices, Inc., N. Y., N. Y 
Municipal Bonds. 

Buffalo, N. Y., 3|s, 1920, 

Long Island, N. Y., 4|s, 1914, 

New York, N. Y., 3£s, 1920, . 

New York, N. Y., 3|s, 1922, . 

New York, N. Y., 3s, 1923, . 

New York, N. Y., 3|s, 1926-28, 

New York, N. Y., 3£s, 1929, . 

New York, N. Y. t 4±s, 1957, . 

Poughkeepsie, N. Y., 3s, 1912, 

Poughkeepsie, N. Y., 3s, 1913, 

Poughkeepsie, N. Y., 3s, 1914, 

Poughkeepsie, N. Y., 3s, 1915, 

Poughkeepsie, N. Y., 3s, 1916, 

Poughkeepsie, N. Y., 3s, 1917, 

Poughkeepsie, N. Y., 3s, 1918-19, 

Poughkeepsie, N. Y., 3s, 1920, 

Poughkeepsie, N. Y., 3s, 1921, 

Poughkeepsie, N. Y., 3s, 1922-23, 

Poughkeepsie, N. Y., 3s, 1924-25, 

Poughkeepsie, N. Y., 3s, 1926-27, 

Poughkeepsie, N. Y., 3s, 1928-29, 

Poughkeepsie, N. Y., 3s, 1930, 

Poughkeepsie, N. Y., 3£s, 1923, 

Railroad Bonds. 
Denver & Rio Grande 1st refunding 5s, 1955, 
Detroit & Flint 1st cons. 5s, 1921, . 
Detroit United 1st consolidated 4Js, 1932, 
Iowa Central 1st 5s, 1938, 
Lake Erie & Western 2nd 5s, 1941, . 
N. Y., N. H. & H. conv. deb. 3|s, 1956, . 
St. L., Iron Mt. & Sou. Ry. & Ld. G. 5s, 1931, 
Tennessee Coal, Iron & R.R. gen. 5s, 1951, 



Book Value. 

$23,600 00 

8,812 50 

11,887 50 

14,700 00 

10,812 50 

10,137 50 

5,581 25 

14,700 00 

11,287 50 

1,500 00 
4,000 00 
1,500 00 
9,475 00 

23,500 00 

8,600 00 

28,925 00 

150 00 
47,937 50 

100 00 
10,100 00 
11,400 00 
12,500 00 

18,900 00 

5,187 50 
57,600 00 

2,865 00 

2,707 25 
12,309 39 

9,43X) 00 
10,762 50 

1,405 07 

1,393 

1,382 

1,371 

1,360 

1,350 

2,673 

1,323 

1,314 

2,604 

2,574 64 

2,546 52 

2,520 62 

9,592 85 

9,395 00 

9,300 00 

4,562 50 

4,700 00 

10,900 00 

11,075 00 

7,724 38 

11,412 50 

4,750 00 



30 
12 
24 
79 
79 
17 
13 
60 
92 



Company. 

Rate. Market Value. 
$20,600 00 
4,100 00 



103 
41 
127 
155 
136 
108 
118 
123 
113 

178 
195 
170 
200 

214 
80 
140 
100 
156 
35 
106 
111 
100 

96 
101 
96 
95 
90 
93 
92 
108 
100 
99 
98 
97 
96 
95 
94 
93 
92 
91 
90 
89 
88 
87 
95 

86 

93 

79 

102 

104 

92 

106 

102 



12,700 00 
15,500 00 
13,600 00 
10,800 00 
5,900 00 
13,530 00 
11,300 00 

1,780 00 

3,900 00 

1,700 00 

10,000 00 

21,400 00 

8,000 00 

30,800 00 

150 00 

46,800 00 

35 00 

10,600 00 

11,100 00 

12,500 00 

19,200 00 
5,050 00 

57,600 00 
2,850 00 
2,700 00 

12,090 00 
9,200 00 

10,800 00 
1,500 00 
1,485 00 
1,470 00 
1,455 00 
1,440 00 
1,425 00 
2,820 00 
1,395 00 
1,380 00 
2,730 00 
2,700 00 
2,670 00 
2,640 00 

10,005 00 
9,500 00 

8,600 00 

4,650 00 

3,950 00 

10,200 00 

10,400 00 

6,900 00 

10,600 00 

5,100 00 



EMPIRE CITY FIRE INSURANCE CO. 



223 



Miscellaneous Bonds. 
General Motors Company 6s, 1915, . 
Pacific Light & Power Company 1st 5s, 1942, 
Poughkeepsie Elec. Lt. & Power Co. 5s, 1914, 
United Fruit Company 4|s, 1923, 



Book Value. 

$4,918 75 
4,925 00 
4,900 00 
7,640 00 


Rate. 

98 
100 
100 

96 


Market Value. 

$4,900 00 

5,000 00 

5,000 00 

7,680 00 


$520,584 78 


$513,880 00 



EMPIRE CITY FIRE INSURANCE COMPANY, NEW YORK, N. Y. 

Incorporated Deo. 23, 1910. Commenced business Dec. 23, 1910. 

Paid-up Capital, 8400,000. 

CHARLES A. HULL, President. D. J. BURTIS, Secretary. 

Home Office, 95 William Street. 

Income. 

Net fire premiums, $709,957 40 

Gross interest on mortgages, $12,514.67; collaterals, $250; stocks 
and bonds, $30,106.11; bank deposits, $2,134.77; all other, 

$86.39, 45,091 94 

Gross profit on sale of bonds, ..... 1,630 90 

Total income, ...... 

Ledger assets, Dec. 31, 1910, ..... 



Total, 



Disbursements. 



Net amount paid policy holders for fire losses, . 
Expenses of adjustment and settlement of losses, 
Commissions or brokerage, . . . . 

Salaries, fees, etc., of officers and employees, 

Rents, ......... 

Advertising, printing and stationery, 

Postage, telegrams, telephone and express, 

Legal expenses, ....... 

Furniture and fixtures, ...... 

Underwriters' boards and tariff associations, 

Fire department, patrol and salvage corps fees and taxes, 

Inspections and surveys, . . . 

State taxes on premiums, ..... 

Insurance department licenses and fees, . 

Other licenses, fees and taxes, .... 

Dividends to stockholders, ..... 

Gross loss on sale of bonds, . 

Gross decrease in book value of stocks, 

All other disbursements, . . . . 

Total disbursements, ..... 



Balance, 



Ledger Assets. 



Mortgage loans on real estate, .... 

Loans secured by collateral (schedule A), 
Book value of stocks and bonds (schedule B), . 
Cash in office, ....... 

Deposits in trust companies and banks not on interest, 





$756,680 24 


• 


1,138,366 70 


$1,895,046 94 


. $406,281 31 




7,667 56 




230,739 13 




16,162 66 




3,100 00 




4,035 80 




2,927 29 




1,081 14 




144 78 




3,035 31 




3,574 89 




711 38 




8,505 72 




2,786 30 




2,154 01 




36,000 00 




9,522 50 




1,995 00 




934 14 




$741,358 92 




$1,153,688 02 


. $249,500 00 




5,000 00 




. 689,451 92 




102 19 




9,354 64 



224 



EMPIRE CITY FIEE INSURANCE CO. 



Deposits in trust companies and banks on interest, 
Agents' balances, ........ 

Total ledger assets, ...... 

Non-Ledger Assets. 
Interest accrued on : — 
Mortgages, $1,288.53; bonds, $1,929.17; collateral loans, $125, 

Gross assets, . . . . . . 

Assets not admitted. 
Book value of stocks and bonds over market value, . 

Admitted assets, ........ 

Liabilities. 

Unpaid losses, including $8,623.11 resisted, $65,056.12; less rein- 
surance, $3,519.90, 

Unearned premiums on outstanding risks, .... 

Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, 



Total, . 

Cash capital, 

Surplus over all liabilities, 

Surplus to policy holders, 



$400,000 00 
210,126 08 



Total liabilities, including surplus, .... 

Risks and Premiums. 

Risks 

Fire risks in force Dec. 31, 1910, . . $74,572,129 00 

Fire risks written during the year, . 
Excess premiums on account of reinsurance, 



,905 60 
130,373 67 

$1,153,688 02 

3,342 70 
$1,157,030 72 

7,561 92 
$1,149,468 80 

$61,536 22 

467,806 50 

500 00 

9,500 00 

$539,342 72 

610,126 08 
. $1,149,468 80 



Total, . 
Expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, 

Net amount in force, 



Premiums. 

1873,622 04 
99,984,508 00 1,147,250 07 

3,752 07 



$174,556,637 00 $2,024,624 18 
88,805,021 00 1,003,879 43 



$85,751,616 00 $1,020,744 75 
12,519,670 00 153,482 90 



$73,231,946 00 $867,261 85 



Miscellaneous. 
Net premiums received from organization of company, 
Net losses paid from organization of company, 
Cash dividends declared from organization of company, 
Fire losses incurred during the year, 
Dividends declared during the year (9 per cent.), 
Par value of company's stock owned by directors, 

Schedule A. Securities held as Collateral. 



$709,957 40 
421,136 07 

36,000 00 
391,874 53 

36,000 00 
354,700 00 



50 shares National Biscuit Co., preferred, 
50 " American Can Co., preferred, . 



Company's 
Market Value. 
$6,400 00 [ 
4,700 00 / 

$11,100 00 



Loaned 
Thereon. 

$5,000 00 



ENTERPRISE MUTUAL FIRE INSURANCE CO. 



225 



Schedule B. Stocks and Bonds owned by the Company. 

Railroad Stocks. 
100 shares Delaware & Hudson, 
114 
20 
100 
200 
200 
600 
200 
300 



Delaware, Lackawanna & Western, 

Lackawanna of New Jersey, 

Louisville & Nashville, 

Manhattan, 

Northern Pacific, 

Pennsylvania, 

Southern Pacific, 

Union Pacific, 

Bank Stocks. 
50 shares Am. Exchange National, N. Y., 
75 " Hanover National, N. Y., 
50 " Nat. Bank of Commerce, N. Y., 
35 " National Park, N. Y., 
100 " Peoples Nat., Hackensack, N. J., 

Miscellaneous Stocks. 
200 shares Am Smelt. & Refining Co., pref., 
100 " American Tel. & Tel. Co., 
100 " Am. Tel. & Tel. Co. (25 per cent, pd.) 
200 " American Tobacco Co., preferred, 
50 " Consolidated Gas Co., N. Y., . 
100 " Pacific Tel. & Tel. Co., pref., . 
200 " Pullman Co., . 
200 " U. S. Steel Corporation, pref., . 

5 " Underwriters Salvage Co., N. Y., 
200 " Washington Water Power Co., 
250 " William Street Offices, 
Municipal Bonds. 

Atlanta, Ga.^Js, 1926 

New York, N. Y., 3§s, 1940, . 

Railroad Bonds. 
Atlantic Coast Line conv. 4s, 1939, . 
Chesapeake & Ohio 4|s, 1930, . 
Erie (Penn. collateral) 4s, 1951, 
N. Y., N. H. & Hartford conv. 3|s, 1956, 
Southern Pacific Co. 4s, 1929, . 

Miscellaneous Bonds. 
Jones & Laughlin Steel Co. 5s, 1939, 
N. Y., Gas & El. Lt. Ht. & P. Co. 5s, 1948, 



Book Value. 


Rate. 


Market Value. 


$17,112 


50 


168 


$16,800 00 


28,215 


00 


540 


30,780 00 


2,000 


00 


96 


1,920 00 


14,262 


50 


155 


15,500 00 


26,600 


00 


136 


27,200 00 


24,237 


50 


118 


23,600 00 


40,487 


50 


123 


36,900 00 


23,450 


00 


113 


22,600 00 


51,850 


00 


174 


52,200 00 


8,737 


50 


248 


12,400 00 


47,241 


00 


630 


47,250 00 


9,475 


00 


200 


10,000 00 


13,125 


00 


369 


12,915 00 


18,000 


00 


200 


20,000 00 


20,800 


00 


104 


20,800 00 


14,000 


00 


140 


14,000 00 


), 5,266 


67 


140 


6,500 00 


20,375 


00 


105 


21,000 00 


9,168 


75 


139 


6,950 00 


9,512 


50 


98 


9,800 00 


32,100 


00 


159 


31,800 00 


24,075 


00 


111 


22,200 00 


500 


00 


125 


625 00 


26,737 


50 


131 


26,200 00 


25,000 


00 


100 


25,000 00 


10,438 


00 


103 


10,300 00 


51,562 


50 


90 


45,000 00 


i 

9,875 


00 


102 


10,200 00 


19,250 


00 


93 


18,600 00 


9,512 


50 


89 


8,900 00 


10,275 


00 


92 


9,200 00 


30,510 


00 


97 


29,100 00 


20,343 


75 


101 


20,200 00 


15,356 


25 


103 


15,450 00 


$689,451 


92 


$681,890 00 



ENTERPRISE MUTUAL FIRE INSURANCE COMPANY, 
PROVIDENCE, R. I. 

Incorporated June 2, 1874. Commenced business July 14, 1874. 
JOHN R. FREEMAN, President. THEODORE P. BOGERT, Secretary. 

Home Office, 10 Weybosset-Street. 

Income. 
Net premiums, . . . $354,982 90 



Gross interest on stocks and bonds, $25,732.94; bank deposits, 

$1,436.62, 

Gross profit on sale of bonds, . . 

Total income, ........ 

Ledger assets, Dec. 31, 1910, .....-• 



27,169 56 
117 00 

$382,269 46 
569,338 56 



Total, 



$951,608 02 



226 



ENTERPRISE MUTUAL FIRE INSURANCE CO. 



Disbursements. 
Net amount paid policy holders for losses, 
Dividends to policy holders, . 
Salaries, fees, etc., of officers and employees, 
Rents, . 

Printing and stationery, 
Postage, telegrams, telephone and express, 
Legal expenses, ..... 

Furniture and fixtures, .... 

Fire department, patrol and salvage corps fees and taxes, . 
Inspection department, for inspections, maps, plans and adjust 

ment of losses, 
State taxes on premiums, . .... 

Insurance department licenses and fees, .... 

Other licenses, fees and taxes, 

Gross loss on sale of bonds, ...... 

All other disbursements, . . . 

Total disbursements, ...... 

Balance, ........ 

Ledger Assets. 
Book value of stocks and bonds (schedule A), . 
Cash in office, ........ 

Deposits in trust companies and banks on interest, . 
Premiums in course of collection, ..... 

Total ledger assets, . . . - . 

Non-Ledger Assets. 

Interest accrued on bonds, ...... 

Market value of stocks and bonds over book value, . 

Gross assets, ........ 



$23,926 09 


287,278 33 

6,298 34 

539 82 


662 07 


333 61 


261 73 


271 28 


23 45 


10,879 71 
10,284 14 


178 99 


2,131 25 
575 00 


251 08 


. $343,894 89 


. $607,713 13 


. $571,349 63 
42 25 


24,113 24 
12,208 01 


. $607,713 13 


505 50 


9,702 37 


. $617,921 00 



Assets not admitted. 
Premiums over three months due, . 

Admitted assets, ..... 

Liabilities. 

Unpaid losses, ...... 

Unearned premiums on outstanding risks, 
Salaries, expenses and accounts, due or accrued, 
Federal, state and other taxes, due or accrued, . 

Total, 

Surplus to policy holders, .... 

Total liabilities, including surplus, 



347 42 



$617,573 58 



$725 65 

327,731 76 

114 04 

13,311 14 

$341,882 59 
275,690 99 

$617,573 58 



ENTERPRISE MUTUAL FIRE INSURANCE CO. 



227 



In force Dec. 31, 1910, . 
Written during the year, 

Total, . 
Expired and terminated, 

In force at end of year, . 



Risks and Premiums. 

Risks. 

. $67,723,457 00 
. 49,451,176 00 



Cash Prem's. Conting't Prem's. 

$518,492 88 $2,592,464 40 
372,280 84 1,861,404 20 



$117,174,633 00 
42,741,573 00 



$890,773 72 $4,453,868 60 
322,916 92 1,614,584 60 



$74,433,060 00 $567,856 80 $2,839,284 00 



Miscellaneous . 
Net premiums received from organization of company, . . $6,811,102 45 

Net losses paid from organization of company, . . 1,163,280 92 

Cash dividends paid policy holders from organization of company, 5,071,456 65 
Losses incurred during the year, ...... 23,603 04 

Dividends to policy holders during 1911, 94 per cent. 



Schedule A. Stocks and Bonds owned by the Company. 



Railroad Stocks. 
100 shares'-Atchison, Topeka & Santa Fe, pref., 
220 " Chicago Great Western, preferred, 

53 " Chicago, Milwaukee & St. P., com., 
161 " Chicago, Milwaukee & St. Paul, pref 
157 " Chicago & Northwestern, 
100 " Chicago, St. P., Minn. & Omaha, 
100 " Cleveland, Cin., Chic, & St. L. pref. 
100 " Cleveland & Pittsburg, . 
200 " Great Northern, pref., 
115 " Illinois Central, 

40 " Illinois Central leased lines, 
200 " Manhattan, . 
144 " Minn., St. P. & S. Ste. Marie, com 
238 " Minn., St. P. & S. Ste. Marie, pref 
130 " Morris & Esse